| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.9% | -5.7 pts |
| Deposit growth (YoY) | +2.8% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +1.4% | +5.3% | -4.0 pts |
| ROA | 0.41% | 1.28% | -0.9 pts |
| ROE | 3.8% | 12.4% | -8.6 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $992.5M | $693.8M | $760.6M | $106.7M | $2.0M | 0.41% | 2.77% | 0.42% |
| Q1 2026 | $990.8M | $689.2M | $755.0M | $104.7M | $364K | 0.15% | 2.65% | 0.55% |
| Q4 2025 | $975.9M | $664.7M | $738.8M | $104.3M | $-5.3M | -0.53% | 2.36% | 0.67% |
| Q3 2025 | $991.7M | $678.2M | $746.4M | $107.0M | $201K | 0.03% | 2.48% | 0.66% |
| Q2 2025 | $1.00B | $675.3M | $750.2M | $106.1M | $-57K | -0.01% | 2.44% | 0.55% |
| Q1 2025 | $990.6M | $671.1M | $749.1M | $105.6M | $-202K | -0.08% | 2.42% | 0.49% |
| Q4 2024 | $982.2M | $677.4M | $751.4M | $105.1M | $-6.7M | -0.69% | 2.52% | 0.53% |
| Q3 2024 | $997.6M | $704.1M | $751.2M | $107.2M | $-2.1M | -0.29% | 2.58% | 0.44% |
Loan mix (Q2 2026): real estate $619.8M · commercial $43.3M · consumer $107.6M · securities $110.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 12.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 61.2% | 92th |
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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