| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Loan growth (YoY) | +2.1% | +5.9% | -3.8 pts |
| ROA | 0.74% | 1.26% | -0.5 pts |
| ROE | 6.1% | 12.2% | -6.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.81B | $1.58B | $1.36B | $217.6M | $6.6M | 0.74% | 3.38% | 1.79% |
| Q1 2026 | $1.82B | $1.59B | $1.34B | $217.8M | $4.7M | 1.03% | 3.33% | 1.00% |
| Q4 2025 | $1.78B | $1.55B | $1.32B | $213.0M | $17.8M | 1.01% | 3.40% | 0.94% |
| Q3 2025 | $1.72B | $1.49B | $1.31B | $226.8M | $12.9M | 0.98% | 3.40% | 0.96% |
| Q2 2025 | $1.73B | $1.50B | $1.33B | $224.6M | $8.4M | 0.96% | 3.33% | 0.75% |
| Q1 2025 | $1.78B | $1.54B | $1.34B | $223.8M | $4.2M | 0.95% | 3.09% | 0.82% |
| Q4 2024 | $1.75B | $1.51B | $1.35B | $221.6M | $17.5M | 0.97% | 3.04% | 0.82% |
| Q3 2024 | $1.80B | $1.54B | $1.40B | $224.9M | $13.9M | 1.02% | 3.02% | 0.95% |
Loan mix (Q2 2026): real estate $1.23B · commercial $103.1M · consumer $8.8M · securities $208.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 59.0% | 53th |
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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