| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.5% | -1.5 pts |
| Deposit growth (YoY) | +3.7% | +5.1% | -1.3 pts |
| Loan growth (YoY) | +2.5% | +5.9% | -3.4 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 9.8% | 12.2% | -2.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $891.0M | $888.1M | $99.5M | $4.8M | 0.97% | 3.61% | 1.61% |
| Q1 2026 | $960.1M | $827.3M | $853.6M | $97.5M | $2.5M | 1.03% | 3.56% | 1.12% |
| Q4 2025 | $970.1M | $836.7M | $839.9M | $95.0M | $8.8M | 0.90% | 3.33% | 1.51% |
| Q3 2025 | $992.8M | $860.6M | $864.0M | $94.8M | $6.2M | 0.84% | 3.30% | 0.84% |
| Q2 2025 | $986.7M | $859.0M | $866.2M | $91.5M | $3.4M | 0.69% | 3.25% | 0.89% |
| Q1 2025 | $983.6M | $856.7M | $875.0M | $89.9M | $1.8M | 0.73% | 3.13% | 1.62% |
| Q4 2024 | $964.9M | $833.6M | $844.3M | $87.4M | $5.3M | 0.55% | 2.90% | 1.21% |
| Q3 2024 | $987.9M | $857.7M | $873.8M | $87.9M | $3.3M | 0.45% | 2.87% | 0.49% |
Loan mix (Q2 2026): real estate $872.9M · commercial $23.0M · consumer $0 · securities $30.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 59.0% | 76th |
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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