| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | +0.6% | +5.1% | -4.5 pts |
| Loan growth (YoY) | +16.1% | +5.9% | +10.2 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 11.5% | 12.2% | -0.7 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 | $1.01B | $897.0M | $787.4M | $104.3M | $5.9M | 1.15% | 4.03% | 0.02% |
| Q1 2026 | $1.02B | $913.5M | $762.6M | $101.0M | $2.6M | 1.01% | 3.94% | 0.05% |
| Q4 2025 | $1.03B | $925.0M | $741.6M | $101.4M | $11.6M | 1.15% | 3.84% | 0.04% |
| Q3 2025 | $1.02B | $904.6M | $709.0M | $102.8M | $8.4M | 1.12% | 3.79% | 0.07% |
| Q2 2025 | $999.7M | $891.8M | $678.0M | $99.7M | $5.2M | 1.06% | 3.69% | 0.07% |
| Q1 2025 | $997.8M | $892.9M | $651.6M | $98.7M | $2.3M | 0.92% | 3.59% | 0.08% |
| Q4 2024 | $975.0M | $871.5M | $642.6M | $98.4M | $10.8M | 1.10% | 3.58% | 0.07% |
| Q3 2024 | $1.00B | $898.7M | $644.3M | $96.0M | $7.6M | 1.02% | 3.55% | 0.09% |
Loan mix (Q2 2026): real estate $567.5M · commercial $224.5M · consumer $3.8M · securities $131.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 59.0% | 59th |
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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