| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +4.4% | -7.0 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.6 pts |
| Loan growth (YoY) | -6.0% | +5.6% | -11.5 pts |
| ROA | 0.56% | 1.24% | -0.7 pts |
| ROE | 5.6% | 11.9% | -6.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.5M | $307.7M | $165.6M | $36.6M | $1.0M | 0.56% | 4.07% | 0.06% |
| Q1 2026 | $359.7M | $302.9M | $167.9M | $34.9M | $507K | 0.56% | 4.01% | 0.03% |
| Q4 2025 | $362.4M | $305.5M | $169.1M | $36.6M | $1.9M | 0.51% | 3.86% | 0.04% |
| Q3 2025 | $371.3M | $305.3M | $173.3M | $35.4M | $1.4M | 0.49% | 3.82% | 0.04% |
| Q2 2025 | $367.2M | $300.4M | $176.0M | $31.9M | $901K | 0.49% | 3.82% | 0.03% |
| Q1 2025 | $369.6M | $304.4M | $178.0M | $33.6M | $438K | 0.47% | 3.76% | 0.03% |
| Q4 2024 | $374.8M | $301.6M | $180.6M | $32.6M | $1.8M | 0.48% | 3.61% | 0.03% |
| Q3 2024 | $390.0M | $310.5M | $184.4M | $38.2M | $1.2M | 0.43% | 3.59% | 0.02% |
Loan mix (Q2 2026): real estate $158.7M · commercial $5.4M · consumer $409K · securities $154.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 62.9% | 92nd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
7 branches in 1 county across 1 state (+0 vs 2024) · $300.4M branch deposits. Biggest market: Westmoreland, PA, ranked 10th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 7 | $300.4M | 2.65% | 10th |
Pennsylvania: 130th with 0.05% · Pittsburgh metro: 32nd, 0.14% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7