| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.9% | -1.7 pts |
| Deposit growth (YoY) | +1.0% | +4.3% | -3.3 pts |
| Loan growth (YoY) | -3.6% | +5.3% | -8.9 pts |
| ROA | 1.11% | 1.28% | -0.2 pts |
| ROE | 8.8% | 12.4% | -3.6 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 | $649.1M | $562.6M | $372.5M | $84.0M | $3.6M | 1.11% | 3.48% | 0.12% |
| Q1 2026 | $658.3M | $574.8M | $388.2M | $80.5M | $1.9M | 1.19% | 3.50% | 0.20% |
| Q4 2025 | $637.6M | $555.6M | $385.3M | $80.1M | $5.9M | 0.94% | 3.31% | 0.19% |
| Q3 2025 | $619.1M | $538.3M | $390.4M | $77.8M | $4.4M | 0.93% | 3.31% | 0.68% |
| Q2 2025 | $628.8M | $556.9M | $386.4M | $69.6M | $2.9M | 0.90% | 3.22% | 0.67% |
| Q1 2025 | $639.0M | $565.0M | $376.4M | $71.7M | $1.3M | 0.81% | 3.13% | 0.71% |
| Q4 2024 | $644.0M | $572.9M | $384.9M | $69.4M | $4.1M | 0.65% | 3.04% | 0.75% |
| Q3 2024 | $639.8M | $561.5M | $381.0M | $75.2M | $3.5M | 0.74% | 3.01% | 1.11% |
Loan mix (Q2 2026): real estate $293.3M · commercial $68.7M · consumer $10.6M · securities $200.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 61.2% | 75th |
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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