| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.6% | +5.5% | -14.1 pts |
| Deposit growth (YoY) | -8.9% | +5.1% | -14.0 pts |
| Loan growth (YoY) | -14.4% | +5.9% | -20.3 pts |
| ROA | 0.32% | 1.26% | -0.9 pts |
| ROE | 4.1% | 12.2% | -8.1 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.53B | $4.84B | $3.80B | $435.0M | $8.9M | 0.32% | 2.53% | 1.16% |
| Q1 2026 | $5.68B | $4.99B | $3.77B | $430.0M | $4.6M | 0.32% | 2.48% | 1.12% |
| Q4 2025 | $5.55B | $4.85B | $3.80B | $426.3M | $-28.8M | -0.50% | 2.18% | 1.10% |
| Q3 2025 | $5.62B | $4.93B | $3.69B | $419.9M | $-36.0M | -0.83% | 2.12% | 0.98% |
| Q2 2025 | $6.05B | $5.31B | $4.44B | $459.9M | $4.0M | 0.14% | 2.00% | 0.75% |
| Q1 2025 | $5.83B | $4.96B | $4.24B | $460.2M | $3.0M | 0.20% | 1.93% | 0.61% |
| Q4 2024 | $5.72B | $4.95B | $4.18B | $458.0M | $31.8M | 0.58% | 1.79% | 0.50% |
| Q3 2024 | $5.80B | $4.81B | $4.02B | $461.1M | $22.9M | 0.56% | 1.76% | 0.39% |
Loan mix (Q2 2026): real estate $1.87B · commercial $1.06B · consumer $456.1M · securities $1.05B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 59.0% | 41th |
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% |
The full ratio pack is part of CharterBench Pro.