| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | -0.1% | +5.1% | -5.1 pts |
| Loan growth (YoY) | +3.4% | +5.9% | -2.6 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 12.9% | 12.2% | +0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.76B | $1.57B | $1.03B | $178.3M | $11.3M | 1.27% | 3.65% | 0.08% |
| Q1 2026 | $1.79B | $1.60B | $1.01B | $174.2M | $5.6M | 1.25% | 3.57% | 0.09% |
| Q4 2025 | $1.79B | $1.59B | $998.5M | $172.0M | $19.0M | 1.08% | 3.30% | 0.10% |
| Q3 2025 | $1.74B | $1.56B | $1.01B | $165.0M | $14.2M | 1.08% | 3.25% | 0.09% |
| Q2 2025 | $1.74B | $1.57B | $996.6M | $156.7M | $9.3M | 1.05% | 3.18% | 0.08% |
| Q1 2025 | $1.77B | $1.61B | $995.0M | $149.0M | $4.6M | 1.04% | 3.11% | 0.07% |
| Q4 2024 | $1.76B | $1.60B | $990.9M | $138.3M | $16.5M | 0.90% | 2.66% | 0.08% |
| Q3 2024 | $1.85B | $1.60B | $1.02B | $145.8M | $11.5M | 0.82% | 2.56% | 0.05% |
Loan mix (Q2 2026): real estate $858.3M · commercial $113.3M · consumer $9.2M · securities $579.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 59.0% | 59th |
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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