| Metric | Bank of Bartlett | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +4.9% | -11.2 pts |
| Deposit growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| Loan growth (YoY) | -2.0% | +5.3% | -7.4 pts |
| ROA | 0.65% | 1.28% | -0.6 pts |
| ROE | 9.3% | 12.4% | -3.1 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $551.8M | $466.1M | $381.3M | $39.6M | $1.8M | 0.65% | 3.81% | 1.19% |
| Q1 2026 | $557.5M | $466.8M | $381.9M | $38.9M | $811K | 0.58% | 3.76% | 1.07% |
| Q4 2025 | $563.3M | $459.0M | $385.8M | $38.4M | $3.3M | 0.57% | 3.61% | 1.04% |
| Q3 2025 | $586.8M | $464.3M | $389.2M | $36.9M | $2.5M | 0.58% | 3.54% | 0.90% |
| Q2 2025 | $589.0M | $462.5M | $389.2M | $35.1M | $1.6M | 0.55% | 3.47% | 1.20% |
| Q1 2025 | $583.5M | $456.8M | $383.5M | $33.8M | $675K | 0.47% | 3.47% | 1.02% |
| Q4 2024 | $576.8M | $445.4M | $378.9M | $31.0M | $2.5M | 0.43% | 3.28% | 1.08% |
| Q3 2024 | $584.3M | $442.7M | $372.6M | $33.6M | $1.8M | 0.42% | 3.22% | 0.99% |
Loan mix (Q2 2026): real estate $356.2M · commercial $21.6M · consumer $7.1M · securities $128.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Bartlett | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 61.2% | 89th |
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 | Bank of Bartlett | 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 | Bank of Bartlett | 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 | Bank of Bartlett | 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 | Bank of Bartlett | 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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