| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.9% | -5.4 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.7 pts |
| Loan growth (YoY) | -2.6% | +5.3% | -7.9 pts |
| ROA | 1.27% | 1.28% | -0.0 pts |
| ROE | 13.2% | 12.4% | +0.8 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $553.6M | $459.9M | $413.0M | $54.6M | $3.5M | 1.27% | 3.77% | 1.43% |
| Q1 2026 | $557.5M | $460.4M | $422.2M | $53.7M | $1.6M | 1.17% | 3.68% | 1.46% |
| Q4 2025 | $559.0M | $457.9M | $425.4M | $52.8M | $6.4M | 1.17% | 3.60% | 0.97% |
| Q3 2025 | $558.8M | $457.1M | $425.7M | $51.0M | $4.6M | 1.12% | 3.55% | 0.91% |
| Q2 2025 | $556.6M | $457.1M | $424.0M | $48.0M | $2.8M | 1.02% | 3.47% | 1.12% |
| Q1 2025 | $542.4M | $444.4M | $413.8M | $47.0M | $1.1M | 0.81% | 3.41% | 0.52% |
| Q4 2024 | $522.1M | $431.1M | $390.6M | $46.1M | $4.5M | 0.87% | 3.22% | 0.96% |
| Q3 2024 | $519.6M | $421.6M | $384.8M | $47.5M | $3.5M | 0.91% | 3.19% | 0.88% |
Loan mix (Q2 2026): real estate $324.9M · commercial $86.9M · consumer $5.5M · securities $93.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 61.2% | 39th |
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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