| Metric | Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | -0.0 pts |
| Deposit growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Loan growth (YoY) | +5.6% | +5.9% | -0.4 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 9.3% | 12.2% | -2.9 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.29B | $1.87B | $1.98B | $237.1M | $10.8M | 0.96% | 3.59% | 0.28% |
| Q1 2026 | $2.25B | $1.89B | $1.95B | $232.8M | $4.7M | 0.83% | 3.53% | 0.30% |
| Q4 2025 | $2.26B | $1.90B | $1.94B | $231.2M | $17.5M | 0.79% | 3.29% | 0.06% |
| Q3 2025 | $2.27B | $1.91B | $1.91B | $227.8M | $12.6M | 0.77% | 3.21% | 0.06% |
| Q2 2025 | $2.17B | $1.82B | $1.87B | $223.5M | $7.3M | 0.67% | 3.10% | 0.09% |
| Q1 2025 | $2.19B | $1.86B | $1.87B | $201.9M | $3.1M | 0.57% | 2.94% | 0.05% |
| Q4 2024 | $2.17B | $1.84B | $1.89B | $199.9M | $11.2M | 0.51% | 2.74% | 0.04% |
| Q3 2024 | $2.19B | $1.82B | $1.91B | $203.2M | $8.8M | 0.54% | 2.70% | 0.05% |
Loan mix (Q2 2026): real estate $1.56B · commercial $329.4M · consumer $17.0M · securities $153.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 59.0% | 80th |
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 | Central Bank | 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 | Central Bank | 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 | Central Bank | 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 | Central Bank | 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.