| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.1 pts |
| Loan growth (YoY) | -3.6% | +5.6% | -9.2 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $298.6M | $257.6M | $225.7M | $29.5M | $1.4M | 0.98% | 4.44% | 2.44% |
| Q1 2026 | $293.3M | $259.5M | $214.7M | $28.9M | $1.0M | 1.41% | 4.48% | 2.91% |
| Q4 2025 | $284.7M | $251.9M | $201.1M | $28.1M | $3.4M | 1.18% | 4.73% | 2.65% |
| Q3 2025 | $289.9M | $249.7M | $227.7M | $28.0M | $2.8M | 1.30% | 4.76% | 2.19% |
| Q2 2025 | $296.5M | $257.9M | $234.0M | $26.9M | $2.0M | 1.38% | 4.73% | 2.05% |
| Q1 2025 | $290.6M | $260.0M | $222.8M | $26.0M | $880K | 1.24% | 4.80% | 2.14% |
| Q4 2024 | $276.9M | $248.3M | $208.8M | $24.2M | $2.1M | 0.78% | 4.52% | 2.90% |
| Q3 2024 | $294.0M | $264.4M | $220.2M | $24.3M | $2.4M | 1.18% | 4.44% | 2.58% |
Loan mix (Q2 2026): real estate $159.4M · commercial $10.5M · consumer $10.3M · securities $13.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 62.9% | 84th |
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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