| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.9% | -8.1 pts |
| Deposit growth (YoY) | -4.4% | +4.3% | -8.7 pts |
| Loan growth (YoY) | -2.6% | +5.3% | -7.9 pts |
| ROA | 1.39% | 1.28% | +0.1 pts |
| ROE | 12.5% | 12.4% | +0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $657.5M | $576.2M | $523.8M | $73.7M | $4.6M | 1.39% | 3.80% | 1.02% |
| Q1 2026 | $666.5M | $586.6M | $505.3M | $73.2M | $2.9M | 1.79% | 3.73% | 0.05% |
| Q4 2025 | $648.3M | $567.7M | $518.8M | $71.5M | $13.1M | 1.92% | 3.53% | 0.05% |
| Q3 2025 | $647.9M | $570.6M | $518.2M | $69.3M | $9.1M | 1.76% | 3.48% | 0.04% |
| Q2 2025 | $678.8M | $602.6M | $537.7M | $66.0M | $6.3M | 1.79% | 3.42% | 0.06% |
| Q1 2025 | $735.2M | $655.0M | $570.2M | $64.7M | $3.2M | 1.76% | 3.24% | 0.03% |
| Q4 2024 | $706.3M | $628.1M | $570.3M | $62.5M | $8.6M | 1.23% | 3.05% | 0.00% |
| Q3 2024 | $682.5M | $593.3M | $552.9M | $62.6M | $6.1M | 1.16% | 2.99% | 0.00% |
Loan mix (Q2 2026): real estate $445.1M · commercial $30.3M · consumer $5.6M · securities $87.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 61.2% | 61th |
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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