| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -19.7% | +4.9% | -24.6 pts |
| Deposit growth (YoY) | -9.3% | +4.3% | -13.7 pts |
| Loan growth (YoY) | -22.5% | +5.3% | -27.9 pts |
| ROA | -0.29% | 1.28% | -1.6 pts |
| ROE | -4.7% | 12.4% | -17.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $867.1M | $781.8M | $612.9M | $56.2M | $-1.3M | -0.29% | 2.12% | 1.38% |
| Q1 2026 | $943.6M | $816.0M | $638.5M | $56.0M | $-954K | -0.40% | 2.03% | 2.68% |
| Q4 2025 | $944.0M | $821.0M | $650.9M | $55.8M | $-19.6M | -1.80% | 1.50% | 1.74% |
| Q3 2025 | $1.01B | $814.7M | $759.4M | $61.0M | $-13.8M | -1.64% | 1.41% | 1.65% |
| Q2 2025 | $1.08B | $862.3M | $791.3M | $60.9M | $-12.4M | -2.13% | 1.20% | 2.03% |
| Q1 2025 | $1.12B | $795.5M | $782.4M | $62.2M | $-10.6M | -3.51% | 1.10% | 2.04% |
| Q4 2024 | $1.30B | $901.4M | $916.5M | $71.7M | $-17.2M | -1.33% | 0.91% | 1.54% |
| Q3 2024 | $1.34B | $903.8M | $917.3M | $72.4M | $-13.8M | -1.42% | 0.88% | 1.65% |
Loan mix (Q2 2026): real estate $481.2M · commercial $78.2M · consumer $60.7M · securities $125.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.29% | 1.28% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -4.7% | 12.4% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.0% | 61.2% | 99th |
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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