| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.4 pts |
| Deposit growth (YoY) | +0.7% | +5.1% | -4.4 pts |
| Loan growth (YoY) | -5.2% | +5.9% | -11.1 pts |
| ROA | 0.32% | 1.26% | -0.9 pts |
| ROE | 3.0% | 12.2% | -9.2 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.15B | $991.6M | $634.2M | $125.6M | $1.9M | 0.32% | 2.88% | 1.52% |
| Q1 2026 | $1.18B | $1.02B | $632.8M | $125.0M | $1.1M | 0.38% | 2.79% | 1.50% |
| Q4 2025 | $1.14B | $975.7M | $653.3M | $125.0M | $3.4M | 0.30% | 2.71% | 1.67% |
| Q3 2025 | $1.15B | $988.0M | $664.9M | $123.1M | $2.4M | 0.28% | 2.68% | 1.64% |
| Q2 2025 | $1.13B | $985.1M | $668.7M | $118.0M | $1.0M | 0.18% | 2.65% | 1.65% |
| Q1 2025 | $1.16B | $1.02B | $662.3M | $118.2M | $999K | 0.35% | 2.56% | 1.59% |
| Q4 2024 | $1.14B | $1.00B | $660.6M | $114.1M | $3.7M | 0.33% | 2.58% | 1.62% |
| Q3 2024 | $1.12B | $976.3M | $665.6M | $117.8M | $2.9M | 0.35% | 2.58% | 1.64% |
Loan mix (Q2 2026): real estate $587.5M · commercial $37.0M · consumer $16.0M · securities $326.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 59.0% | 95th |
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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