| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.2 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $471.0M | $435.8M | $264.8M | $21.5M | $1.7M | 0.73% | 4.03% | 0.84% |
| Q1 2026 | $463.9M | $435.2M | $255.0M | $20.7M | $854K | 0.73% | 4.00% | 0.85% |
| Q4 2025 | $471.0M | $422.3M | $255.9M | $20.6M | $3.9M | 0.82% | 3.77% | 0.84% |
| Q3 2025 | $492.9M | $468.3M | $252.2M | $18.1M | $2.8M | 0.78% | 3.68% | 0.83% |
| Q2 2025 | $469.2M | $441.5M | $242.7M | $15.4M | $1.6M | 0.67% | 3.63% | 0.02% |
| Q1 2025 | $467.2M | $448.3M | $237.7M | $13.0M | $756K | 0.64% | 3.60% | 0.02% |
| Q4 2024 | $476.5M | $426.0M | $236.4M | $9.2M | $3.2M | 0.66% | 3.25% | 0.07% |
| Q3 2024 | $514.7M | $460.9M | $237.9M | $13.5M | $2.3M | 0.62% | 3.13% | 0.07% |
Loan mix (Q2 2026): real estate $228.8M · commercial $22.2M · consumer $14.1M · securities $161.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 62.9% | 83th |
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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