| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.5% | -3.9 pts |
| Deposit growth (YoY) | -5.9% | +5.1% | -11.0 pts |
| Loan growth (YoY) | +1.5% | +5.9% | -4.4 pts |
| ROA | 0.89% | 1.26% | -0.4 pts |
| ROE | 7.5% | 12.2% | -4.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $938.9M | $929.1M | $142.3M | $5.3M | 0.89% | 3.17% | 0.00% |
| Q1 2026 | $1.20B | $913.0M | $891.5M | $138.9M | $2.3M | 0.78% | 3.07% | 0.28% |
| Q4 2025 | $1.13B | $950.5M | $849.8M | $138.7M | $10.1M | 0.87% | 2.97% | 0.30% |
| Q3 2025 | $1.22B | $1.04B | $849.5M | $134.9M | $6.8M | 0.78% | 2.88% | 0.00% |
| Q2 2025 | $1.19B | $998.2M | $915.2M | $131.7M | $4.3M | 0.74% | 2.85% | 0.00% |
| Q1 2025 | $1.18B | $986.3M | $880.7M | $128.9M | $1.9M | 0.66% | 2.81% | 0.00% |
| Q4 2024 | $1.10B | $928.7M | $826.3M | $126.4M | $5.7M | 0.50% | 2.62% | 0.00% |
| Q3 2024 | $1.19B | $984.4M | $906.3M | $134.5M | $4.3M | 0.50% | 2.53% | 0.00% |
Loan mix (Q2 2026): real estate $554.1M · commercial $128.9M · consumer $5K · securities $176.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 59.0% | 70th |
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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