| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $407.0M | $346.0M | $303.5M | $37.5M | $2.7M | 1.35% | 3.72% | 0.02% |
| Q1 2026 | $415.2M | $350.1M | $305.8M | $35.5M | $1.3M | 1.31% | 3.58% | 0.02% |
| Q4 2025 | $393.1M | $332.8M | $303.6M | $36.0M | $5.2M | 1.33% | 3.51% | 0.04% |
| Q3 2025 | $405.6M | $356.4M | $292.4M | $34.1M | $3.9M | 1.33% | 3.40% | 0.04% |
| Q2 2025 | $403.3M | $351.1M | $290.0M | $33.4M | $2.8M | 1.43% | 3.36% | 0.02% |
| Q1 2025 | $386.5M | $335.2M | $292.4M | $31.4M | $1.6M | 1.63% | 3.36% | 0.02% |
| Q4 2024 | $375.3M | $325.7M | $285.1M | $30.5M | $4.2M | 1.15% | 3.12% | 0.03% |
| Q3 2024 | $378.9M | $323.2M | $271.2M | $31.1M | $3.1M | 1.13% | 3.07% | 0.04% |
Loan mix (Q2 2026): real estate $299.5M · commercial $8.5M · consumer $1.2M · securities $62.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 62.9% | 47th |
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% |
The full ratio pack is part of CharterBench Pro.