| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 12.7% | 12.4% | +0.3 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $683.1M | $618.6M | $485.2M | $62.1M | $3.8M | 1.13% | 3.70% | 0.44% |
| Q1 2026 | $678.9M | $615.8M | $470.3M | $59.8M | $2.0M | 1.21% | 3.65% | 0.35% |
| Q4 2025 | $659.9M | $598.6M | $464.9M | $58.8M | $7.0M | 1.07% | 3.40% | 0.13% |
| Q3 2025 | $674.6M | $616.6M | $461.6M | $55.8M | $5.0M | 1.03% | 3.34% | 0.15% |
| Q2 2025 | $652.7M | $598.2M | $463.1M | $52.5M | $3.1M | 0.98% | 3.29% | 0.15% |
| Q1 2025 | $646.2M | $593.6M | $448.0M | $49.7M | $1.5M | 0.92% | 3.19% | 0.15% |
| Q4 2024 | $621.0M | $572.2M | $430.1M | $46.7M | $3.2M | 0.54% | 2.63% | 0.15% |
| Q3 2024 | $634.0M | $583.5M | $400.6M | $48.5M | $2.3M | 0.51% | 2.52% | 0.15% |
Loan mix (Q2 2026): real estate $434.4M · commercial $31.4M · consumer $5.7M · securities $150.1M
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% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.4% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 61.2% | 26th |
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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