| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | -0.1% | +4.3% | -4.5 pts |
| Loan growth (YoY) | +6.0% | +5.3% | +0.7 pts |
| ROA | 0.78% | 1.28% | -0.5 pts |
| ROE | 8.4% | 12.4% | -4.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $656.7M | $585.6M | $436.6M | $61.8M | $2.6M | 0.78% | 4.13% | 0.00% |
| Q1 2026 | $654.4M | $583.5M | $426.4M | $61.0M | $1.2M | 0.70% | 4.05% | 0.00% |
| Q4 2025 | $666.8M | $596.8M | $430.3M | $60.7M | $4.7M | 0.72% | 3.91% | 0.00% |
| Q3 2025 | $677.1M | $608.3M | $412.9M | $59.3M | $3.3M | 0.68% | 3.84% | 0.00% |
| Q2 2025 | $651.5M | $586.3M | $411.8M | $55.5M | $2.1M | 0.65% | 3.81% | 0.00% |
| Q1 2025 | $647.9M | $584.2M | $408.4M | $54.5M | $886K | 0.55% | 3.76% | 0.00% |
| Q4 2024 | $640.5M | $579.0M | $408.3M | $52.7M | $2.8M | 0.43% | 3.43% | 0.07% |
| Q3 2024 | $651.2M | $587.8M | $401.1M | $54.2M | $1.8M | 0.38% | 3.36% | 0.07% |
Loan mix (Q2 2026): real estate $398.5M · commercial $32.2M · consumer $1.3M · securities $144.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 61.2% | 88th |
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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