| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.1 pts |
| Deposit growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +11.6% | +5.3% | +6.2 pts |
| ROA | 1.98% | 1.28% | +0.7 pts |
| ROE | 15.2% | 12.4% | +2.8 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $901.9M | $753.2M | $701.5M | $117.5M | $8.7M | 1.98% | 4.64% | 0.00% |
| Q1 2026 | $889.7M | $751.1M | $698.5M | $114.8M | $4.1M | 1.90% | 4.57% | 0.02% |
| Q4 2025 | $853.2M | $720.7M | $657.6M | $112.5M | $17.3M | 2.01% | 4.50% | 0.00% |
| Q3 2025 | $863.9M | $737.9M | $638.4M | $109.2M | $12.6M | 1.95% | 4.40% | 0.00% |
| Q2 2025 | $912.4M | $729.2M | $628.9M | $106.6M | $8.2M | 1.90% | 4.28% | 0.00% |
| Q1 2025 | $879.2M | $725.6M | $605.2M | $102.9M | $3.5M | 1.68% | 4.24% | 0.00% |
| Q4 2024 | $804.8M | $685.3M | $601.7M | $99.8M | $13.9M | 1.66% | 4.14% | 0.01% |
| Q3 2024 | $804.9M | $690.1M | $583.0M | $100.6M | $10.8M | 1.69% | 4.05% | 0.01% |
Loan mix (Q2 2026): real estate $679.2M · commercial $16.5M · consumer $13.6M · securities $139.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 61.2% | 19th |
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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