| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +4.4% | -10.7 pts |
| Deposit growth (YoY) | -8.6% | +4.0% | -12.6 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.3 pts |
| ROA | 1.79% | 1.24% | +0.6 pts |
| ROE | 45.0% | 11.9% | +33.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $346.9M | $331.0M | $125.5M | $13.9M | $3.1M | 1.79% | 2.97% | 0.02% |
| Q1 2026 | $350.1M | $334.2M | $119.9M | $13.7M | $1.5M | 1.71% | 2.88% | 0.02% |
| Q4 2025 | $337.5M | $321.8M | $116.4M | $13.6M | $5.1M | 1.48% | 2.81% | 0.02% |
| Q3 2025 | $359.4M | $345.2M | $112.9M | $12.1M | $3.8M | 1.47% | 2.78% | 0.02% |
| Q2 2025 | $370.4M | $362.2M | $115.3M | $6.0M | $2.3M | 1.35% | 2.77% | 0.02% |
| Q1 2025 | $334.4M | $325.7M | $119.1M | $6.5M | $1.6M | 1.94% | 2.78% | 0.36% |
| Q4 2024 | $312.3M | $307.7M | $98.7M | $2.5M | $5.6M | 1.65% | 2.73% | 0.05% |
| Q3 2024 | $354.8M | $344.0M | $100.0M | $8.4M | $5.0M | 1.92% | 2.68% | 0.01% |
Loan mix (Q2 2026): real estate $52.6M · commercial $63.8M · consumer $2.5M · securities $190.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 45.0% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.9% | 41th |
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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