| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +5.5% | -5.4 pts |
| Deposit growth (YoY) | +5.6% | +5.1% | +0.6 pts |
| Loan growth (YoY) | -1.8% | +5.9% | -7.7 pts |
| ROA | 0.57% | 1.26% | -0.7 pts |
| ROE | 7.3% | 12.2% | -4.9 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.94B | $2.23B | $2.40B | $234.6M | $8.4M | 0.57% | 2.30% | 0.37% |
| Q1 2026 | $2.92B | $2.18B | $2.39B | $230.8M | $6.4M | 0.88% | 2.30% | 0.38% |
| Q4 2025 | $2.91B | $2.18B | $2.39B | $224.1M | $3.3M | 0.11% | 2.24% | 0.37% |
| Q3 2025 | $2.90B | $2.17B | $2.40B | $220.9M | $519K | 0.02% | 2.21% | 0.33% |
| Q2 2025 | $2.94B | $2.11B | $2.45B | $217.6M | $-1.9M | -0.12% | 2.18% | 0.33% |
| Q1 2025 | $3.00B | $2.24B | $2.45B | $224.1M | $2.0M | 0.27% | 2.12% | 0.63% |
| Q4 2024 | $2.99B | $2.22B | $2.45B | $223.5M | $7.3M | 0.25% | 2.09% | 0.51% |
| Q3 2024 | $3.03B | $2.20B | $2.46B | $219.6M | $5.4M | 0.25% | 2.08% | 0.51% |
Loan mix (Q2 2026): real estate $2.15B · commercial $99.0M · consumer $182.0M · securities $160.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.26% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 59.0% | 97th |
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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