| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Deposit growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| Loan growth (YoY) | -2.8% | +5.3% | -8.1 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 11.6% | 12.4% | -0.9 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $667.0M | $585.7M | $356.5M | $65.6M | $3.7M | 1.13% | 3.52% | 2.14% |
| Q1 2026 | $672.3M | $591.7M | $359.5M | $64.3M | $1.5M | 0.89% | 3.45% | 1.99% |
| Q4 2025 | $649.5M | $569.3M | $364.4M | $64.5M | $6.7M | 1.05% | 3.45% | 2.06% |
| Q3 2025 | $643.1M | $561.4M | $352.3M | $63.8M | $5.4M | 1.12% | 3.45% | 2.18% |
| Q2 2025 | $634.2M | $556.0M | $366.6M | $59.7M | $3.6M | 1.14% | 3.43% | 2.31% |
| Q1 2025 | $644.4M | $565.2M | $364.2M | $59.8M | $1.7M | 1.03% | 3.35% | 2.30% |
| Q4 2024 | $641.6M | $565.3M | $364.9M | $57.6M | $6.3M | 0.94% | 3.08% | 1.88% |
| Q3 2024 | $654.4M | $555.3M | $371.6M | $61.4M | $4.6M | 0.92% | 3.02% | 1.85% |
Loan mix (Q2 2026): real estate $321.4M · commercial $18.4M · consumer $13.0M · securities $214.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 61.2% | 73th |
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% |
The full ratio pack is part of CharterBench Pro.