| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| Loan growth (YoY) | -0.3% | +5.3% | -5.7 pts |
| ROA | 1.03% | 1.28% | -0.3 pts |
| ROE | 8.2% | 12.4% | -4.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $603.6M | $520.4M | $467.5M | $78.3M | $3.1M | 1.03% | 3.91% | 0.59% |
| Q1 2026 | $616.2M | $534.3M | $464.5M | $76.4M | $1.3M | 0.86% | 3.74% | 1.12% |
| Q4 2025 | $608.0M | $526.1M | $474.1M | $75.4M | $5.8M | 0.99% | 3.82% | 0.44% |
| Q3 2025 | $592.7M | $513.9M | $473.6M | $73.7M | $4.3M | 0.99% | 3.79% | 0.38% |
| Q2 2025 | $585.4M | $509.1M | $469.1M | $71.8M | $2.7M | 0.93% | 3.70% | 1.03% |
| Q1 2025 | $587.7M | $513.2M | $465.1M | $70.2M | $1.2M | 0.82% | 3.59% | 0.38% |
| Q4 2024 | $560.8M | $488.4M | $463.0M | $68.7M | $4.7M | 0.84% | 3.53% | 0.42% |
| Q3 2024 | $563.2M | $490.3M | $453.6M | $68.0M | $3.5M | 0.84% | 3.49% | 0.27% |
Loan mix (Q2 2026): real estate $386.9M · commercial $44.9M · consumer $10.8M · securities $55.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.4% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 61.2% | 70th |
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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