| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.1% | +5.5% | -22.5 pts |
| Deposit growth (YoY) | -19.0% | +5.1% | -24.0 pts |
| Loan growth (YoY) | -12.3% | +5.9% | -18.2 pts |
| ROA | 0.80% | 1.26% | -0.5 pts |
| ROE | 6.7% | 12.2% | -5.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.31B | $1.12B | $945.3M | $161.9M | $5.4M | 0.80% | 4.29% | 3.27% |
| Q1 2026 | $1.34B | $1.12B | $989.1M | $161.2M | $2.7M | 0.79% | 4.26% | 3.45% |
| Q4 2025 | $1.38B | $1.15B | $1.02B | $161.1M | $-7.7M | -0.51% | 4.15% | 3.73% |
| Q3 2025 | $1.44B | $1.25B | $1.06B | $165.9M | $-3.3M | -0.28% | 4.09% | 1.72% |
| Q2 2025 | $1.58B | $1.38B | $1.08B | $178.3M | $6.8M | 0.87% | 4.01% | 0.59% |
| Q1 2025 | $1.58B | $1.34B | $1.08B | $176.4M | $3.4M | 0.86% | 3.99% | 0.57% |
| Q4 2024 | $1.55B | $1.35B | $1.06B | $174.6M | $7.9M | 0.52% | 3.12% | 0.57% |
| Q3 2024 | $1.62B | $1.41B | $1.05B | $182.6M | $4.9M | 0.42% | 2.79% | 0.55% |
Loan mix (Q2 2026): real estate $783.1M · commercial $161.3M · consumer $15.2M · securities $204.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 12.2% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 59.0% | 77th |
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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