| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.9% | -2.1 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| Loan growth (YoY) | -0.3% | +5.3% | -5.7 pts |
| ROA | 1.15% | 1.28% | -0.1 pts |
| ROE | 12.7% | 12.4% | +0.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $816.1M | $737.2M | $551.6M | $74.8M | $4.7M | 1.15% | 3.96% | 0.15% |
| Q1 2026 | $833.1M | $754.5M | $555.1M | $74.6M | $2.0M | 0.98% | 3.79% | 0.20% |
| Q4 2025 | $814.9M | $737.0M | $555.6M | $74.5M | $7.9M | 0.99% | 3.74% | 0.31% |
| Q3 2025 | $796.2M | $720.2M | $556.8M | $72.2M | $5.6M | 0.94% | 3.70% | 0.19% |
| Q2 2025 | $793.9M | $720.6M | $553.3M | $69.2M | $3.7M | 0.94% | 3.64% | 0.45% |
| Q1 2025 | $791.4M | $716.5M | $535.5M | $70.7M | $1.8M | 0.91% | 3.53% | 0.41% |
| Q4 2024 | $787.1M | $716.7M | $527.7M | $67.7M | $5.2M | 0.69% | 3.42% | 0.41% |
| Q3 2024 | $743.3M | $667.6M | $524.8M | $68.4M | $3.6M | 0.66% | 3.40% | 0.47% |
Loan mix (Q2 2026): real estate $474.9M · commercial $53.3M · consumer $19.4M · securities $122.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.28% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.4% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 61.2% | 63th |
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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