| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +3.5% | +4.3% | -0.8 pts |
| Loan growth (YoY) | +3.9% | +5.3% | -1.5 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 23.7% | 12.4% | +11.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $852.9M | $791.6M | $279.6M | $58.9M | $6.7M | 1.56% | 3.08% | 0.20% |
| Q1 2026 | $854.4M | $793.5M | $285.5M | $58.9M | $2.9M | 1.34% | 2.89% | 0.62% |
| Q4 2025 | $879.6M | $825.5M | $282.0M | $52.2M | $10.5M | 1.27% | 2.87% | 0.26% |
| Q3 2025 | $820.5M | $772.1M | $283.2M | $46.0M | $7.8M | 1.28% | 2.89% | 0.29% |
| Q2 2025 | $799.8M | $764.6M | $269.2M | $32.8M | $4.9M | 1.19% | 2.86% | 0.40% |
| Q1 2025 | $822.6M | $784.5M | $262.8M | $35.9M | $2.6M | 1.25% | 2.77% | 0.52% |
| Q4 2024 | $814.8M | $774.2M | $259.2M | $38.0M | $9.5M | 1.13% | 2.50% | 0.47% |
| Q3 2024 | $856.4M | $729.6M | $274.0M | $46.2M | $6.5M | 1.02% | 2.44% | 0.44% |
Loan mix (Q2 2026): real estate $236.7M · commercial $28.8M · consumer $5.3M · securities $507.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 12.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 61.2% | 31th |
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.