| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +3.4% | +5.3% | -2.0 pts |
| ROA | 0.49% | 1.28% | -0.8 pts |
| ROE | 4.5% | 12.4% | -8.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $678.7M | $578.1M | $421.9M | $74.2M | $1.6M | 0.49% | 3.08% | 0.02% |
| Q1 2026 | $679.0M | $579.8M | $406.4M | $73.2M | $740K | 0.44% | 2.96% | 0.00% |
| Q4 2025 | $669.4M | $570.7M | $402.9M | $73.2M | $2.3M | 0.35% | 2.84% | 0.00% |
| Q3 2025 | $667.9M | $570.4M | $407.6M | $71.9M | $1.6M | 0.31% | 2.79% | 0.11% |
| Q2 2025 | $659.5M | $565.3M | $408.1M | $69.0M | $974K | 0.30% | 2.71% | 0.10% |
| Q1 2025 | $668.1M | $575.2M | $401.9M | $68.0M | $396K | 0.24% | 2.62% | 0.02% |
| Q4 2024 | $643.8M | $554.7M | $398.5M | $64.2M | $1.5M | 0.24% | 2.58% | 0.00% |
| Q3 2024 | $639.4M | $551.6M | $405.1M | $66.5M | $982K | 0.21% | 2.56% | 0.00% |
Loan mix (Q2 2026): real estate $408.5M · commercial $9.4M · consumer $378K · securities $173.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.28% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 61.2% | 87th |
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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