| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.9% | -1.1 pts |
| Deposit growth (YoY) | +0.4% | +4.3% | -4.0 pts |
| Loan growth (YoY) | +14.1% | +5.3% | +8.7 pts |
| ROA | 1.14% | 1.28% | -0.1 pts |
| ROE | 9.0% | 12.4% | -3.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $616.8M | $516.0M | $451.6M | $75.0M | $3.4M | 1.14% | 4.47% | 1.27% |
| Q1 2026 | $595.3M | $514.7M | $428.7M | $77.1M | $1.6M | 1.10% | 4.46% | 1.21% |
| Q4 2025 | $593.8M | $514.0M | $428.0M | $76.0M | $4.3M | 0.71% | 4.20% | 0.26% |
| Q3 2025 | $622.4M | $544.2M | $407.4M | $74.1M | $2.7M | 0.59% | 4.10% | 0.53% |
| Q2 2025 | $594.5M | $514.2M | $395.8M | $76.1M | $3.9M | 1.30% | 3.87% | 1.47% |
| Q1 2025 | $600.0M | $510.9M | $413.4M | $75.3M | $2.0M | 1.30% | 3.82% | 1.13% |
| Q4 2024 | $603.8M | $513.6M | $416.9M | $72.1M | $6.4M | 1.06% | 3.60% | 1.28% |
| Q3 2024 | $637.6M | $550.0M | $404.4M | $73.2M | $4.3M | 0.94% | 3.53% | 1.35% |
Loan mix (Q2 2026): real estate $208.4M · commercial $199.8M · consumer $2.0M · securities $136.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.28% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 61.2% | 27th |
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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