| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Deposit growth (YoY) | -3.3% | +4.3% | -7.6 pts |
| Loan growth (YoY) | +3.4% | +5.3% | -1.9 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $874.5M | $725.7M | $637.2M | $79.5M | $4.2M | 0.97% | 3.46% | 0.19% |
| Q1 2026 | $863.2M | $712.4M | $628.6M | $77.4M | $2.1M | 0.95% | 3.47% | 0.20% |
| Q4 2025 | $872.4M | $722.1M | $633.9M | $75.8M | $6.3M | 0.75% | 3.16% | 0.19% |
| Q3 2025 | $869.7M | $737.1M | $622.5M | $72.5M | $4.4M | 0.69% | 3.08% | 0.47% |
| Q2 2025 | $841.7M | $750.2M | $616.1M | $69.3M | $2.5M | 0.61% | 3.01% | 0.40% |
| Q1 2025 | $817.2M | $736.6M | $600.3M | $68.7M | $1.2M | 0.59% | 2.89% | 0.46% |
| Q4 2024 | $844.7M | $760.4M | $583.2M | $67.1M | $4.8M | 0.59% | 2.82% | 0.19% |
| Q3 2024 | $817.5M | $674.8M | $572.3M | $70.4M | $3.7M | 0.62% | 2.81% | 0.20% |
Loan mix (Q2 2026): real estate $592.3M · commercial $50.1M · consumer $110K · securities $130.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 61.2% | 56th |
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% |
The full ratio pack is part of CharterBench Pro.