| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +14.4% | +5.3% | +9.1 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 10.4% | 12.4% | -2.0 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $908.8M | $795.2M | $582.0M | $92.7M | $4.7M | 1.06% | 3.86% | 0.26% |
| Q1 2026 | $895.6M | $783.6M | $566.2M | $91.2M | $2.1M | 0.95% | 3.79% | 0.15% |
| Q4 2025 | $890.5M | $775.4M | $554.8M | $89.7M | $7.9M | 0.93% | 3.64% | 0.10% |
| Q3 2025 | $851.0M | $731.7M | $527.6M | $88.0M | $6.1M | 0.97% | 3.60% | 0.10% |
| Q2 2025 | $852.0M | $745.5M | $508.5M | $85.5M | $4.0M | 0.96% | 3.50% | 0.17% |
| Q1 2025 | $845.1M | $750.7M | $491.9M | $83.8M | $2.0M | 0.94% | 3.39% | 0.09% |
| Q4 2024 | $817.2M | $725.0M | $474.0M | $81.4M | $6.9M | 0.87% | 3.33% | 0.10% |
| Q3 2024 | $795.4M | $683.8M | $465.9M | $80.7M | $5.1M | 0.86% | 3.30% | 0.13% |
Loan mix (Q2 2026): real estate $421.6M · commercial $86.3M · consumer $61.9M · securities $255.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 61.2% | 57th |
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.