| Metric | Bank Of Clarke | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.2% | +5.5% | -14.7 pts |
| Deposit growth (YoY) | -9.5% | +5.1% | -14.5 pts |
| Loan growth (YoY) | +4.3% | +5.9% | -1.6 pts |
| ROA | 1.02% | 1.26% | -0.2 pts |
| ROE | 8.6% | 12.2% | -3.5 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.85B | $1.60B | $1.49B | $222.4M | $9.5M | 1.02% | 3.84% | 0.88% |
| Q1 2026 | $1.84B | $1.60B | $1.45B | $218.3M | $4.1M | 0.88% | 3.69% | 0.81% |
| Q4 2025 | $1.89B | $1.61B | $1.46B | $217.4M | $9.7M | 0.50% | 3.52% | 0.77% |
| Q3 2025 | $1.93B | $1.66B | $1.45B | $212.4M | $5.0M | 0.34% | 3.45% | 0.69% |
| Q2 2025 | $2.03B | $1.77B | $1.43B | $204.7M | $-960K | -0.10% | 3.26% | 0.85% |
| Q1 2025 | $1.90B | $1.62B | $1.44B | $199.7M | $-6.6M | -1.41% | 3.08% | 0.89% |
| Q4 2024 | $1.87B | $1.58B | $1.45B | $146.9M | $16.8M | 0.92% | 3.07% | 0.11% |
| Q3 2024 | $1.88B | $1.55B | $1.47B | $145.5M | $10.3M | 0.75% | 3.03% | 0.14% |
Loan mix (Q2 2026): real estate $1.19B · commercial $213.6M · consumer $89.4M · securities $112.5M
| Ratio | Bank Of Clarke | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 59.0% | 62th |
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 Clarke | 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 Clarke | 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 Clarke | 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 Clarke | 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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