| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +5.5% | +3.0 pts |
| Deposit growth (YoY) | +7.0% | +5.1% | +2.0 pts |
| Loan growth (YoY) | -1.4% | +5.9% | -7.4 pts |
| ROA | 0.89% | 1.26% | -0.4 pts |
| ROE | 10.7% | 12.2% | -1.5 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $885.6M | $231.8M | $88.0M | $4.6M | 0.89% | 2.27% | 0.00% |
| Q1 2026 | $1.04B | $878.1M | $228.9M | $84.3M | $2.2M | 0.87% | 2.25% | 0.00% |
| Q4 2025 | $987.6M | $827.4M | $245.3M | $84.0M | $8.6M | 0.89% | 2.40% | 0.00% |
| Q3 2025 | $956.2M | $796.2M | $231.9M | $78.4M | $6.9M | 0.95% | 2.38% | 0.01% |
| Q2 2025 | $972.5M | $827.4M | $235.2M | $68.4M | $4.8M | 0.99% | 2.43% | 0.00% |
| Q1 2025 | $969.2M | $819.2M | $236.0M | $70.0M | $2.4M | 1.00% | 2.46% | 0.00% |
| Q4 2024 | $966.8M | $812.1M | $255.8M | $70.9M | $7.0M | 0.77% | 2.47% | 0.00% |
| Q3 2024 | $918.2M | $770.5M | $252.8M | $76.3M | $5.0M | 0.74% | 2.45% | 0.02% |
Loan mix (Q2 2026): real estate $154.0M · commercial $31.2M · consumer $369K · securities $693.6M
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% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 59.0% | 34th |
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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