| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.3 pts |
| Deposit growth (YoY) | -5.6% | +4.0% | -9.5 pts |
| Loan growth (YoY) | +2.3% | +5.6% | -3.3 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 23.8% | 11.9% | +11.9 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $329.0M | $297.4M | $164.3M | $16.4M | $1.9M | 1.21% | 3.19% | 0.20% |
| Q1 2026 | $310.0M | $267.0M | $160.4M | $16.4M | $925K | 1.17% | 3.19% | 0.25% |
| Q4 2025 | $322.2M | $293.5M | $162.6M | $16.1M | $3.6M | 1.12% | 3.03% | 0.22% |
| Q3 2025 | $319.9M | $289.5M | $159.8M | $15.0M | $2.7M | 1.13% | 2.98% | 0.27% |
| Q2 2025 | $339.1M | $315.0M | $160.6M | $10.8M | $1.8M | 1.14% | 2.96% | 0.22% |
| Q1 2025 | $312.8M | $286.5M | $162.1M | $10.6M | $896K | 1.14% | 3.03% | 0.24% |
| Q4 2024 | $317.1M | $286.5M | $165.1M | $8.5M | $2.5M | 0.80% | 2.62% | 0.30% |
| Q3 2024 | $321.5M | $277.0M | $165.9M | $12.4M | $1.8M | 0.74% | 2.54% | 0.30% |
Loan mix (Q2 2026): real estate $112.7M · commercial $36.0M · consumer $1.8M · securities $128.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 62.9% | 49th |
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% |
The full ratio pack is part of CharterBench Pro.