| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | -7.4% | +4.0% | -11.3 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 6.1% | 11.9% | -5.8 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $433.6M | $249.5M | $331.4M | $57.6M | $1.7M | 0.81% | 3.67% | 0.80% |
| Q1 2026 | $408.4M | $249.8M | $326.1M | $56.8M | $798K | 0.75% | 3.67% | 0.00% |
| Q4 2025 | $441.9M | $247.0M | $329.9M | $56.8M | $5.4M | 1.26% | 3.82% | 0.00% |
| Q3 2025 | $412.1M | $267.5M | $330.1M | $56.0M | $4.5M | 1.43% | 3.82% | 0.00% |
| Q2 2025 | $409.3M | $269.4M | $330.0M | $55.5M | $3.5M | 1.65% | 3.72% | 0.00% |
| Q1 2025 | $428.3M | $277.2M | $320.2M | $54.6M | $2.5M | 2.35% | 3.46% | 0.35% |
| Q4 2024 | $431.5M | $292.0M | $310.0M | $53.8M | $4.9M | 1.16% | 3.45% | 1.18% |
| Q3 2024 | $404.8M | $227.8M | $317.0M | $54.7M | $4.4M | 1.43% | 3.47% | 0.37% |
Loan mix (Q2 2026): real estate $230.0M · commercial $48.7M · consumer $0 · securities $15.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 62.9% | 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 | 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.