| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +5.5% | -14.4 pts |
| Deposit growth (YoY) | -7.5% | +5.1% | -12.5 pts |
| Loan growth (YoY) | -7.0% | +5.9% | -12.9 pts |
| ROA | 0.01% | 1.26% | -1.2 pts |
| ROE | 0.1% | 12.2% | -12.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.31B | $1.89B | $1.83B | $245.8M | $140K | 0.01% | 3.00% | 1.41% |
| Q1 2026 | $2.40B | $1.97B | $1.81B | $247.4M | $1.2M | 0.19% | 3.00% | 0.93% |
| Q4 2025 | $2.41B | $1.93B | $1.86B | $301.4M | $12.8M | 0.50% | 3.31% | 1.05% |
| Q3 2025 | $2.48B | $1.97B | $1.91B | $326.2M | $8.3M | 0.42% | 3.36% | 1.15% |
| Q2 2025 | $2.54B | $2.04B | $1.97B | $313.6M | $2.6M | 0.20% | 3.19% | 0.95% |
| Q1 2025 | $2.67B | $2.18B | $2.06B | $311.5M | $445K | 0.07% | 3.07% | 0.94% |
| Q4 2024 | $2.72B | $2.22B | $2.12B | $307.2M | $-6.3M | -0.21% | 2.94% | 0.95% |
| Q3 2024 | $2.92B | $2.39B | $2.18B | $316.4M | $-5.0M | -0.22% | 2.92% | 1.10% |
Loan mix (Q2 2026): real estate $1.55B · commercial $267.5M · consumer $27.4M · securities $317.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 1.26% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 59.0% | 98th |
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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