| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | +0.4% | +4.3% | -3.9 pts |
| Loan growth (YoY) | +21.8% | +5.3% | +16.5 pts |
| ROA | -0.65% | 1.28% | -1.9 pts |
| ROE | -6.1% | 12.4% | -18.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $827.0M | $714.9M | $394.0M | $90.2M | $-2.8M | -0.65% | 4.23% | 0.20% |
| Q1 2026 | $848.6M | $737.6M | $386.0M | $90.6M | $-2.4M | -1.10% | 4.07% | 0.20% |
| Q4 2025 | $866.4M | $753.5M | $350.7M | $93.6M | $10.9M | 1.29% | 4.49% | 0.28% |
| Q3 2025 | $857.1M | $751.7M | $343.4M | $92.1M | $9.7M | 1.53% | 4.60% | 0.28% |
| Q2 2025 | $812.8M | $712.1M | $323.4M | $88.8M | $6.5M | 1.57% | 4.57% | 0.29% |
| Q1 2025 | $797.0M | $699.2M | $311.2M | $85.8M | $3.6M | 1.71% | 4.62% | 0.31% |
| Q4 2024 | $892.8M | $799.0M | $304.7M | $81.6M | $21.2M | 2.62% | 4.32% | 0.27% |
| Q3 2024 | $823.2M | $731.9M | $303.2M | $78.7M | $17.4M | 2.94% | 4.26% | 0.30% |
Loan mix (Q2 2026): real estate $396.3M · commercial $482K · consumer $1.2M · securities $118.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.65% | 1.28% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -6.1% | 12.4% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.2% | 61.2% | 99th |
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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