| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.7 pts |
| Loan growth (YoY) | -3.1% | +5.6% | -8.7 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $497.1M | $443.9M | $322.8M | $38.4M | $2.2M | 0.90% | 3.67% | 0.17% |
| Q1 2026 | $500.2M | $448.3M | $326.9M | $36.8M | $1.0M | 0.81% | 3.65% | 0.16% |
| Q4 2025 | $485.8M | $422.4M | $327.8M | $36.8M | $4.0M | 0.82% | 3.51% | 0.03% |
| Q3 2025 | $508.1M | $458.9M | $334.0M | $34.1M | $2.8M | 0.77% | 3.43% | 0.15% |
| Q2 2025 | $489.3M | $424.3M | $333.3M | $30.7M | $1.7M | 0.70% | 3.37% | 0.08% |
| Q1 2025 | $496.6M | $451.7M | $326.1M | $29.8M | $771K | 0.64% | 3.28% | 0.13% |
| Q4 2024 | $473.7M | $411.4M | $321.2M | $28.1M | $2.6M | 0.53% | 3.02% | 0.15% |
| Q3 2024 | $510.4M | $433.0M | $318.1M | $31.3M | $2.0M | 0.56% | 2.94% | 0.01% |
Loan mix (Q2 2026): real estate $268.3M · commercial $19.6M · consumer $35.0M · securities $114.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Champlain National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 62.9% | 72th |
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 | Champlain National 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 | Champlain National 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 | Champlain National 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 | Champlain National Bank | 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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