| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +5.5% | -6.4 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.8 pts |
| Loan growth (YoY) | -2.1% | +5.9% | -8.0 pts |
| ROA | 0.39% | 1.26% | -0.9 pts |
| ROE | 5.4% | 12.2% | -6.8 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.86B | $1.38B | $1.44B | $138.0M | $3.7M | 0.39% | 2.53% | 0.57% |
| Q1 2026 | $1.90B | $1.37B | $1.42B | $134.9M | $1.4M | 0.29% | 2.43% | 0.49% |
| Q4 2025 | $1.89B | $1.36B | $1.45B | $135.0M | $5.7M | 0.30% | 2.24% | 0.50% |
| Q3 2025 | $1.88B | $1.35B | $1.46B | $133.5M | $4.3M | 0.31% | 2.19% | 0.29% |
| Q2 2025 | $1.88B | $1.35B | $1.47B | $128.3M | $2.6M | 0.28% | 2.14% | 0.31% |
| Q1 2025 | $1.89B | $1.36B | $1.44B | $124.7M | $-299K | -0.06% | 2.03% | 0.19% |
| Q4 2024 | $1.87B | $1.35B | $1.44B | $122.0M | $3.9M | 0.21% | 2.13% | 0.19% |
| Q3 2024 | $1.87B | $1.33B | $1.44B | $128.8M | $4.5M | 0.33% | 2.12% | 0.15% |
Loan mix (Q2 2026): real estate $1.30B · commercial $111.2M · consumer $15.9M · securities $268.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 59.0% | 96th |
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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