| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +5.5% | -10.2 pts |
| Deposit growth (YoY) | -2.8% | +5.1% | -7.9 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.25B | $1.07B | $138.1M | $9.1M | 1.27% | 4.01% | 0.00% |
| Q1 2026 | $1.44B | $1.25B | $1.07B | $132.6M | $3.5M | 0.98% | 3.84% | 0.04% |
| Q4 2025 | $1.44B | $1.23B | $1.06B | $129.7M | $12.0M | 0.82% | 3.49% | 0.10% |
| Q3 2025 | $1.46B | $1.26B | $1.06B | $125.1M | $8.0M | 0.72% | 3.39% | 0.22% |
| Q2 2025 | $1.49B | $1.29B | $1.06B | $119.6M | $5.3M | 0.71% | 3.28% | 0.00% |
| Q1 2025 | $1.47B | $1.28B | $1.03B | $115.6M | $1.8M | 0.48% | 3.13% | 0.00% |
| Q4 2024 | $1.48B | $1.27B | $1.02B | $111.5M | $5.8M | 0.38% | 2.68% | 0.02% |
| Q3 2024 | $1.54B | $1.30B | $1.03B | $113.1M | $3.7M | 0.32% | 2.60% | 0.06% |
Loan mix (Q2 2026): real estate $1.00B · commercial $62.0M · consumer $17.5M · securities $252.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 59.0% | 74th |
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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