| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +4.4% | -9.4 pts |
| Deposit growth (YoY) | -4.5% | +4.0% | -8.5 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.1 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 11.1% | 11.9% | -0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.5M | $350.4M | $292.5M | $38.5M | $2.2M | 1.07% | 4.39% | 0.11% |
| Q1 2026 | $405.1M | $357.1M | $294.1M | $37.7M | $1.1M | 1.01% | 4.35% | 0.10% |
| Q4 2025 | $428.7M | $384.5M | $285.2M | $41.7M | $4.3M | 1.04% | 4.16% | 0.00% |
| Q3 2025 | $413.8M | $368.9M | $286.3M | $39.9M | $3.1M | 1.02% | 4.11% | 0.00% |
| Q2 2025 | $417.6M | $367.0M | $282.8M | $37.9M | $2.0M | 0.98% | 4.00% | 0.00% |
| Q1 2025 | $401.9M | $361.1M | $259.8M | $38.4M | $864K | 0.86% | 3.94% | 0.02% |
| Q4 2024 | $405.5M | $366.4M | $253.2M | $36.5M | $3.6M | 0.90% | 3.91% | 0.02% |
| Q3 2024 | $400.2M | $360.1M | $253.2M | $37.1M | $2.6M | 0.86% | 3.89% | 0.12% |
Loan mix (Q2 2026): real estate $246.4M · commercial $29.0M · consumer $332K · securities $79.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 62.9% | 66th |
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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