| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.3 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 1.80% | 1.24% | +0.6 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $413.6M | $350.8M | $121.6M | $61.5M | $4.2M | 1.80% | 4.14% | 0.22% |
| Q1 2026 | $476.2M | $414.3M | $123.4M | $60.8M | $2.5M | 2.02% | 4.34% | 0.18% |
| Q4 2025 | $495.4M | $435.3M | $123.1M | $59.1M | $6.6M | 1.48% | 3.87% | 0.18% |
| Q3 2025 | $390.2M | $330.9M | $126.1M | $57.9M | $5.1M | 1.55% | 4.02% | 0.20% |
| Q2 2025 | $410.5M | $355.5M | $123.1M | $53.7M | $3.8M | 1.65% | 4.04% | 0.19% |
| Q1 2025 | $416.5M | $363.6M | $121.3M | $51.7M | $2.1M | 1.74% | 4.06% | 0.25% |
| Q4 2024 | $540.6M | $492.6M | $119.8M | $46.9M | $6.5M | 1.50% | 3.87% | 0.19% |
| Q3 2024 | $389.2M | $337.4M | $114.6M | $50.3M | $5.0M | 1.65% | 4.15% | 0.27% |
Loan mix (Q2 2026): real estate $111.3M · commercial $5.4M · consumer $5.8M · securities $185.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 62.9% | 14th |
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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