| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +4.8% | +5.1% | -0.3 pts |
| Loan growth (YoY) | +1.0% | +5.9% | -4.9 pts |
| ROA | 0.78% | 1.26% | -0.5 pts |
| ROE | 9.3% | 12.2% | -2.9 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.57B | $2.09B | $1.32B | $217.3M | $9.8M | 0.78% | 2.82% | 0.02% |
| Q1 2026 | $2.50B | $2.03B | $1.30B | $212.4M | $5.0M | 0.81% | 2.83% | 0.03% |
| Q4 2025 | $2.48B | $2.01B | $1.30B | $207.4M | $22.0M | 0.89% | 2.80% | 0.03% |
| Q3 2025 | $2.52B | $2.03B | $1.32B | $200.3M | $14.6M | 0.79% | 2.79% | 0.04% |
| Q2 2025 | $2.48B | $2.00B | $1.30B | $195.4M | $10.0M | 0.82% | 2.79% | 0.06% |
| Q1 2025 | $2.48B | $1.99B | $1.30B | $197.2M | $4.2M | 0.69% | 2.78% | 0.05% |
| Q4 2024 | $2.36B | $1.89B | $1.28B | $197.1M | $18.2M | 0.76% | 2.74% | 0.04% |
| Q3 2024 | $2.42B | $1.95B | $1.27B | $195.8M | $13.1M | 0.73% | 2.70% | 0.05% |
Loan mix (Q2 2026): real estate $1.07B · commercial $33.1M · consumer $210.2M · securities $729.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 59.0% | 89th |
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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