| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| ROA | 1.14% | 1.28% | -0.1 pts |
| ROE | 11.7% | 12.4% | -0.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $949.3M | $836.4M | $593.7M | $93.7M | $5.4M | 1.14% | 3.69% | 0.00% |
| Q1 2026 | $882.7M | $771.0M | $597.2M | $91.5M | $2.8M | 1.20% | 3.73% | 0.00% |
| Q4 2025 | $996.2M | $885.8M | $599.3M | $91.9M | $11.3M | 1.19% | 3.62% | 0.00% |
| Q3 2025 | $934.0M | $825.6M | $576.5M | $89.2M | $8.4M | 1.19% | 3.63% | 0.00% |
| Q2 2025 | $952.1M | $848.9M | $566.7M | $86.4M | $5.4M | 1.14% | 3.57% | 0.00% |
| Q1 2025 | $928.8M | $824.6M | $541.5M | $88.1M | $2.6M | 1.12% | 3.60% | 0.00% |
| Q4 2024 | $950.5M | $848.1M | $555.0M | $85.7M | $10.3M | 1.20% | 3.77% | 0.00% |
| Q3 2024 | $809.2M | $707.1M | $578.4M | $83.4M | $7.7M | 1.23% | 3.89% | 0.00% |
Loan mix (Q2 2026): real estate $586.7M · commercial $15.0M · consumer $1K · securities $34.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.28% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 61.2% | 29th |
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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