| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -3.3% | +4.0% | -7.2 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.2 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 23.1% | 11.9% | +11.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342.4M | $307.2M | $288.4M | $33.8M | $3.8M | 2.17% | 5.84% | 2.19% |
| Q1 2026 | $356.7M | $322.7M | $297.8M | $33.1M | $2.1M | 2.31% | 5.84% | 1.05% |
| Q4 2025 | $355.0M | $321.9M | $297.7M | $32.2M | $5.7M | 1.61% | 5.87% | 1.33% |
| Q3 2025 | $340.4M | $307.9M | $280.7M | $30.1M | $3.7M | 1.39% | 5.77% | 1.99% |
| Q2 2025 | $349.9M | $317.6M | $293.2M | $30.0M | $2.6M | 1.48% | 5.74% | 1.16% |
| Q1 2025 | $366.4M | $334.7M | $303.8M | $30.6M | $1.1M | 1.21% | 5.61% | 1.27% |
| Q4 2024 | $353.5M | $320.5M | $297.7M | $30.3M | $4.6M | 1.32% | 5.75% | 1.08% |
| Q3 2024 | $360.0M | $327.3M | $295.1M | $31.0M | $4.3M | 1.63% | 5.71% | 1.28% |
Loan mix (Q2 2026): real estate $224.1M · commercial $63.2M · consumer $3.9M · securities $22.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 62.9% | 57th |
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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