| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +5.9% | -7.0 pts |
| Deposit growth (YoY) | -2.3% | +5.7% | -8.0 pts |
| Loan growth (YoY) | -12.4% | +6.9% | -19.3 pts |
| ROA | 0.77% | 1.23% | -0.5 pts |
| ROE | 6.1% | 11.2% | -5.2 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.81B | $12.31B | $9.42B | $1.94B | $58.0M | 0.77% | 1.78% | 0.43% |
| Q1 2026 | $15.13B | $12.64B | $9.73B | $1.91B | $28.0M | 0.73% | 1.79% | 0.44% |
| Q4 2025 | $15.51B | $13.09B | $9.72B | $1.89B | $84.0M | 0.54% | 1.55% | 0.45% |
| Q3 2025 | $15.02B | $12.63B | $9.97B | $1.86B | $60.0M | 0.52% | 1.51% | 0.51% |
| Q2 2025 | $14.98B | $12.60B | $10.75B | $1.85B | $45.0M | 0.58% | 1.52% | 0.51% |
| Q1 2025 | $16.12B | $13.31B | $10.57B | $1.82B | $22.0M | 0.55% | 1.49% | 0.44% |
| Q4 2024 | $15.69B | $12.69B | $10.66B | $1.80B | $69.0M | 0.45% | 1.11% | 0.51% |
| Q3 2024 | $16.20B | $13.22B | $10.94B | $1.77B | $41.0M | 0.36% | 1.07% | 0.49% |
Loan mix (Q2 2026): real estate $9.44B · commercial $0 · consumer $0 · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.23% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.3% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.78% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.0% | 54.9% | 18th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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