| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | +2.0% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +2.9% | +5.3% | -2.4 pts |
| ROA | 2.03% | 1.28% | +0.8 pts |
| ROE | 15.5% | 12.4% | +3.1 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $629.5M | $528.3M | $446.1M | $83.5M | $6.4M | 2.03% | 4.39% | 0.46% |
| Q1 2026 | $632.1M | $532.1M | $440.7M | $82.9M | $3.1M | 1.95% | 4.32% | 0.37% |
| Q4 2025 | $632.9M | $524.4M | $440.8M | $82.0M | $11.8M | 1.89% | 4.18% | 0.39% |
| Q3 2025 | $642.8M | $538.4M | $438.0M | $77.7M | $8.5M | 1.81% | 4.12% | 0.44% |
| Q2 2025 | $619.1M | $517.8M | $433.5M | $74.8M | $5.3M | 1.73% | 4.08% | 0.41% |
| Q1 2025 | $614.3M | $514.7M | $423.3M | $73.7M | $2.6M | 1.67% | 4.02% | 0.49% |
| Q4 2024 | $617.7M | $516.3M | $420.2M | $70.9M | $9.3M | 1.53% | 3.70% | 0.43% |
| Q3 2024 | $619.8M | $518.4M | $425.5M | $70.5M | $6.5M | 1.44% | 3.63% | 0.44% |
Loan mix (Q2 2026): real estate $335.6M · commercial $70.3M · consumer $43.9M · securities $101.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 61.2% | 42th |
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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