| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.1 pts |
| Loan growth (YoY) | -1.9% | +5.9% | -7.8 pts |
| ROA | 0.68% | 1.26% | -0.6 pts |
| ROE | 9.6% | 12.2% | -2.6 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $1.04B | $621.4M | $87.5M | $4.2M | 0.68% | 2.93% | 0.77% |
| Q1 2026 | $1.24B | $1.04B | $624.8M | $87.7M | $2.3M | 0.73% | 2.92% | 0.88% |
| Q4 2025 | $1.23B | $1.04B | $642.8M | $86.4M | $7.7M | 0.63% | 2.73% | 0.69% |
| Q3 2025 | $1.24B | $1.03B | $647.6M | $84.2M | $5.8M | 0.64% | 2.66% | 0.65% |
| Q2 2025 | $1.22B | $1.02B | $633.2M | $77.2M | $3.5M | 0.58% | 2.59% | 0.85% |
| Q1 2025 | $1.19B | $1.01B | $622.0M | $76.6M | $1.8M | 0.62% | 2.53% | 0.91% |
| Q4 2024 | $1.18B | $999.7M | $621.1M | $72.0M | $5.2M | 0.45% | 2.37% | 0.87% |
| Q3 2024 | $1.19B | $973.7M | $621.6M | $76.9M | $3.3M | 0.39% | 2.32% | 0.88% |
Loan mix (Q2 2026): real estate $489.3M · commercial $66.4M · consumer $38.8M · securities $442.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 59.0% | 87th |
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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