| Metric | Charter Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +4.4% | -8.1 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | -9.1% | +5.6% | -14.7 pts |
| ROA | 2.29% | 1.24% | +1.0 pts |
| ROE | 28.3% | 11.9% | +16.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $292.3M | $265.2M | $164.1M | $24.3M | $3.3M | 2.29% | 5.56% | 1.59% |
| Q1 2026 | $292.7M | $265.9M | $172.6M | $22.7M | $1.8M | 2.41% | 5.62% | 1.11% |
| Q4 2025 | $290.3M | $262.5M | $169.8M | $23.5M | $8.1M | 2.74% | 5.58% | 1.08% |
| Q3 2025 | $301.5M | $274.3M | $174.8M | $22.7M | $6.2M | 2.76% | 5.53% | 0.84% |
| Q2 2025 | $303.8M | $257.9M | $180.5M | $19.5M | $4.0M | 2.68% | 5.50% | 0.34% |
| Q1 2025 | $292.3M | $249.9M | $179.1M | $20.5M | $1.9M | 2.55% | 5.49% | 0.20% |
| Q4 2024 | $300.5M | $245.8M | $187.2M | $20.7M | $8.5M | 2.78% | 5.59% | 0.06% |
| Q3 2024 | $309.4M | $261.0M | $188.6M | $24.1M | $6.4M | 2.79% | 5.53% | 0.02% |
Loan mix (Q2 2026): real estate $124.0M · commercial $31.5M · consumer $496K · securities $114.0M
| Ratio | Charter Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 28.3% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 62.9% | 14th |
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 | Charter 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 | Charter 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 | Charter 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 | Charter 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.