| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +6.5% | +5.3% | +1.1 pts |
| ROA | 1.10% | 1.28% | -0.2 pts |
| ROE | 4.8% | 12.4% | -7.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $849.9M | $646.8M | $721.4M | $195.8M | $4.7M | 1.10% | 3.57% | 0.90% |
| Q1 2026 | $871.6M | $670.1M | $715.7M | $193.6M | $2.6M | 1.23% | 3.74% | 0.09% |
| Q4 2025 | $835.9M | $637.9M | $704.7M | $191.1M | $8.5M | 1.02% | 3.59% | 0.21% |
| Q3 2025 | $820.4M | $624.3M | $709.7M | $189.3M | $6.7M | 1.07% | 3.59% | 0.21% |
| Q2 2025 | $815.3M | $620.6M | $677.7M | $187.0M | $4.4M | 1.07% | 3.54% | 0.21% |
| Q1 2025 | $820.1M | $626.7M | $675.8M | $184.8M | $2.2M | 1.06% | 3.46% | 0.21% |
| Q4 2024 | $866.4M | $639.4M | $678.8M | $182.6M | $11.3M | 1.31% | 3.56% | 0.20% |
| Q3 2024 | $856.2M | $615.1M | $695.8M | $179.9M | $8.7M | 1.34% | 3.63% | 0.20% |
Loan mix (Q2 2026): real estate $619.0M · commercial $43.6M · consumer $0 · securities $45.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 12.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 61.2% | 33th |
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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