| Metric | Core Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +5.5% | -6.1 pts |
| Deposit growth (YoY) | -4.9% | +5.1% | -9.9 pts |
| Loan growth (YoY) | -5.8% | +5.9% | -11.8 pts |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 7.8% | 12.2% | -4.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $833.7M | $866.4M | $101.7M | $3.9M | 0.72% | 3.15% | 0.09% |
| Q1 2026 | $1.08B | $877.9M | $886.4M | $99.1M | $1.9M | 0.70% | 3.02% | 0.14% |
| Q4 2025 | $1.08B | $902.5M | $885.0M | $98.8M | $6.2M | 0.57% | 2.78% | 0.17% |
| Q3 2025 | $1.09B | $882.4M | $902.7M | $95.5M | $3.6M | 0.44% | 2.71% | 0.16% |
| Q2 2025 | $1.07B | $876.5M | $920.1M | $93.8M | $2.3M | 0.42% | 2.68% | 0.19% |
| Q1 2025 | $1.10B | $908.4M | $946.1M | $92.0M | $872K | 0.32% | 2.63% | 0.25% |
| Q4 2024 | $1.10B | $903.3M | $945.1M | $90.4M | $2.0M | 0.18% | 2.31% | 0.24% |
| Q3 2024 | $1.11B | $926.7M | $955.4M | $91.2M | $955K | 0.12% | 2.25% | 0.23% |
Loan mix (Q2 2026): real estate $705.0M · commercial $145.1M · consumer $1.4M · securities $124.7M
| Ratio | Core Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 59.0% | 91th |
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 | Core Bank | 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 | Core Bank | 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 | Core Bank | 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 | Core Bank | 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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