| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.9% | -0.4 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.7 pts |
| ROA | 1.55% | 1.28% | +0.3 pts |
| ROE | 14.2% | 12.4% | +1.8 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $566.4M | $503.2M | $306.1M | $61.1M | $4.4M | 1.55% | 3.88% | 0.11% |
| Q1 2026 | $563.0M | $498.4M | $311.8M | $62.0M | $2.1M | 1.53% | 3.78% | 0.16% |
| Q4 2025 | $551.7M | $488.8M | $307.7M | $60.7M | $7.9M | 1.46% | 3.78% | 0.14% |
| Q3 2025 | $539.3M | $475.7M | $309.2M | $61.1M | $5.8M | 1.44% | 3.74% | 0.21% |
| Q2 2025 | $541.8M | $482.3M | $310.2M | $57.5M | $3.9M | 1.44% | 3.70% | 0.20% |
| Q1 2025 | $539.2M | $479.2M | $304.4M | $57.9M | $1.8M | 1.33% | 3.59% | 0.10% |
| Q4 2024 | $532.8M | $476.2M | $301.3M | $54.7M | $7.1M | 1.35% | 3.49% | 0.38% |
| Q3 2024 | $529.1M | $468.8M | $280.1M | $57.9M | $5.3M | 1.35% | 3.48% | 0.46% |
Loan mix (Q2 2026): real estate $265.4M · commercial $23.3M · consumer $20.4M · securities $147.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.28% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 61.2% | 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 | 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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