| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.5% | -3.6 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.4 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.1 pts |
| ROA | 0.49% | 1.26% | -0.8 pts |
| ROE | 3.3% | 12.2% | -8.9 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 | $1.03B | $871.8M | $724.7M | $154.7M | $2.5M | 0.49% | 2.81% | 0.41% |
| Q1 2026 | $1.04B | $877.4M | $705.0M | $153.5M | $1.2M | 0.47% | 2.71% | 0.45% |
| Q4 2025 | $1.01B | $852.6M | $700.9M | $153.2M | $3.0M | 0.30% | 2.64% | 0.52% |
| Q3 2025 | $1.00B | $840.4M | $692.1M | $152.0M | $2.4M | 0.32% | 2.62% | 0.45% |
| Q2 2025 | $1.01B | $857.4M | $677.2M | $150.3M | $1.7M | 0.33% | 2.56% | 0.37% |
| Q1 2025 | $1.01B | $856.0M | $673.0M | $148.5M | $771K | 0.30% | 2.48% | 0.32% |
| Q4 2024 | $1.02B | $866.0M | $671.6M | $146.2M | $1.9M | 0.18% | 2.25% | 0.36% |
| Q3 2024 | $1.04B | $877.6M | $667.5M | $148.2M | $1.7M | 0.22% | 2.26% | 0.38% |
Loan mix (Q2 2026): real estate $723.2M · commercial $0 · consumer $3.4M · securities $166.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 59.0% | 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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