| Metric | Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.9% | -4.7 pts |
| Deposit growth (YoY) | -3.0% | +4.3% | -7.3 pts |
| Loan growth (YoY) | -4.4% | +5.3% | -9.7 pts |
| ROA | 1.28% | 1.28% | +0.0 pts |
| ROE | 12.5% | 12.4% | +0.1 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $552.7M | $475.2M | $363.7M | $56.9M | $3.6M | 1.28% | 4.12% | 0.26% |
| Q1 2026 | $564.4M | $494.0M | $361.0M | $56.6M | $1.8M | 1.29% | 4.09% | 0.14% |
| Q4 2025 | $553.7M | $478.0M | $367.9M | $57.4M | $7.2M | 1.28% | 4.05% | 0.17% |
| Q3 2025 | $547.2M | $486.6M | $374.3M | $56.8M | $5.3M | 1.25% | 4.00% | 0.26% |
| Q2 2025 | $551.6M | $489.8M | $380.3M | $55.2M | $3.3M | 1.19% | 3.91% | 0.27% |
| Q1 2025 | $570.1M | $507.8M | $387.1M | $55.8M | $1.6M | 1.12% | 3.83% | 0.32% |
| Q4 2024 | $566.1M | $504.7M | $392.2M | $55.0M | $6.7M | 1.15% | 3.68% | 0.28% |
| Q3 2024 | $573.8M | $511.3M | $404.1M | $55.7M | $4.6M | 1.06% | 3.60% | 0.21% |
Loan mix (Q2 2026): real estate $315.8M · commercial $31.6M · consumer $4.3M · securities $113.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 61.2% | 55th |
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 | Commercial Bank | 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 | Commercial Bank | 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 | Commercial Bank | 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 | Commercial Bank | 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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