| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +5.5% | +0.3 pts |
| Deposit growth (YoY) | +5.2% | +5.1% | +0.1 pts |
| Loan growth (YoY) | +3.0% | +5.9% | -2.9 pts |
| ROA | 0.89% | 1.26% | -0.4 pts |
| ROE | 12.9% | 12.2% | +0.8 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 | $1.86B | $1.70B | $1.31B | $127.8M | $8.2M | 0.89% | 2.71% | 0.04% |
| Q1 2026 | $1.84B | $1.68B | $1.28B | $124.4M | $3.9M | 0.85% | 2.65% | 0.03% |
| Q4 2025 | $1.80B | $1.64B | $1.28B | $127.4M | $14.3M | 0.81% | 2.55% | 0.03% |
| Q3 2025 | $1.78B | $1.62B | $1.27B | $122.2M | $10.5M | 0.80% | 2.51% | 0.03% |
| Q2 2025 | $1.76B | $1.61B | $1.27B | $114.1M | $6.6M | 0.76% | 2.47% | 0.03% |
| Q1 2025 | $1.75B | $1.61B | $1.26B | $112.1M | $3.0M | 0.70% | 2.41% | 0.03% |
| Q4 2024 | $1.70B | $1.55B | $1.26B | $106.3M | $10.9M | 0.65% | 2.26% | 0.03% |
| Q3 2024 | $1.72B | $1.54B | $1.25B | $114.3M | $8.1M | 0.64% | 2.23% | 0.07% |
Loan mix (Q2 2026): real estate $1.26B · commercial $31.6M · consumer $396K · securities $347.9M
Nothing unusual in Q2 2026 — steady quarter.
| 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 | 12.9% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 59.0% | 50th |
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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