| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +7.7% | +4.3% | +3.3 pts |
| Loan growth (YoY) | -4.1% | +5.3% | -9.4 pts |
| ROA | 1.37% | 1.28% | +0.1 pts |
| ROE | 13.6% | 12.4% | +1.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $565.9M | $502.1M | $298.6M | $57.5M | $3.9M | 1.37% | 4.02% | 0.24% |
| Q1 2026 | $566.4M | $504.3M | $310.1M | $56.5M | $1.9M | 1.33% | 3.95% | 0.23% |
| Q4 2025 | $558.9M | $496.8M | $306.5M | $55.9M | $7.0M | 1.31% | 3.98% | 0.17% |
| Q3 2025 | $535.9M | $474.8M | $312.1M | $54.3M | $5.1M | 1.28% | 3.96% | 0.18% |
| Q2 2025 | $525.5M | $466.3M | $311.3M | $52.9M | $3.2M | 1.23% | 3.87% | 0.22% |
| Q1 2025 | $528.0M | $470.8M | $308.3M | $51.6M | $1.6M | 1.22% | 3.69% | 0.32% |
| Q4 2024 | $525.8M | $459.5M | $318.2M | $49.9M | $7.1M | 1.41% | 3.96% | 0.02% |
| Q3 2024 | $513.3M | $447.6M | $325.4M | $48.9M | $5.3M | 1.43% | 3.97% | 0.06% |
Loan mix (Q2 2026): real estate $265.2M · commercial $24.0M · consumer $4.5M · securities $80.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 61.2% | 73th |
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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