| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| Loan growth (YoY) | +1.7% | +5.3% | -3.7 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 13.7% | 12.4% | +1.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $618.0M | $557.3M | $501.6M | $57.2M | $3.8M | 1.22% | 2.88% | 1.32% |
| Q1 2026 | $638.3M | $579.9M | $492.0M | $55.3M | $1.7M | 1.06% | 2.78% | 0.90% |
| Q4 2025 | $630.4M | $569.2M | $492.7M | $55.3M | $6.5M | 1.06% | 2.59% | 0.92% |
| Q3 2025 | $616.1M | $553.4M | $490.8M | $54.2M | $4.4M | 0.96% | 2.54% | 0.64% |
| Q2 2025 | $601.6M | $520.7M | $493.2M | $52.0M | $3.0M | 0.98% | 2.53% | 0.71% |
| Q1 2025 | $618.9M | $541.3M | $507.5M | $49.9M | $1.2M | 0.78% | 2.39% | 0.43% |
| Q4 2024 | $622.3M | $544.8M | $515.3M | $48.6M | $3.6M | 0.59% | 2.11% | 0.31% |
| Q3 2024 | $618.2M | $538.0M | $505.0M | $49.1M | $2.0M | 0.45% | 2.04% | 0.18% |
Loan mix (Q2 2026): real estate $384.3M · commercial $70.6M · consumer $3.9M · securities $94.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 61.2% | 31th |
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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