| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +4.9% | -7.8 pts |
| Deposit growth (YoY) | -4.6% | +4.3% | -9.0 pts |
| Loan growth (YoY) | +4.9% | +5.3% | -0.5 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 7.9% | 12.4% | -4.5 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $669.9M | $571.0M | $341.6M | $89.9M | $3.5M | 1.04% | 3.57% | 0.44% |
| Q1 2026 | $686.0M | $588.8M | $337.2M | $88.5M | $1.6M | 0.95% | 3.45% | 0.34% |
| Q4 2025 | $689.3M | $591.4M | $331.8M | $89.2M | $6.3M | 0.92% | 3.38% | 0.37% |
| Q3 2025 | $701.7M | $607.0M | $320.7M | $86.0M | $4.5M | 0.88% | 3.34% | 0.36% |
| Q2 2025 | $689.8M | $598.7M | $325.6M | $82.4M | $3.0M | 0.88% | 3.33% | 0.38% |
| Q1 2025 | $678.9M | $590.4M | $324.5M | $80.0M | $1.3M | 0.79% | 3.24% | 0.41% |
| Q4 2024 | $659.7M | $573.9M | $317.8M | $77.5M | $5.4M | 0.81% | 3.21% | 0.39% |
| Q3 2024 | $678.5M | $586.6M | $315.6M | $83.2M | $3.9M | 0.78% | 3.19% | 0.21% |
Loan mix (Q2 2026): real estate $307.3M · commercial $30.2M · consumer $8.7M · securities $252.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 12.4% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 61.2% | 67th |
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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