| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.1 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.5 pts |
| ROA | 0.86% | 1.24% | -0.4 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.4M | $280.6M | $212.7M | $34.4M | $1.4M | 0.86% | 3.69% | 3.46% |
| Q1 2026 | $318.2M | $280.9M | $205.3M | $33.8M | $636K | 0.80% | 3.55% | 2.01% |
| Q4 2025 | $314.6M | $276.3M | $206.4M | $34.0M | $2.1M | 0.67% | 3.40% | 1.94% |
| Q3 2025 | $314.6M | $276.9M | $206.3M | $33.4M | $1.7M | 0.72% | 3.37% | 2.73% |
| Q2 2025 | $316.5M | $280.9M | $204.3M | $31.5M | $1.1M | 0.71% | 3.27% | 2.92% |
| Q1 2025 | $323.3M | $288.4M | $203.0M | $30.7M | $533K | 0.66% | 3.17% | 1.98% |
| Q4 2024 | $324.4M | $292.2M | $203.7M | $28.6M | $2.1M | 0.64% | 3.00% | 2.04% |
| Q3 2024 | $320.9M | $287.0M | $203.9M | $30.4M | $1.5M | 0.63% | 2.99% | 2.07% |
Loan mix (Q2 2026): real estate $158.1M · commercial $31.2M · consumer $5.0M · securities $72.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th |
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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