| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +0.0% | +4.3% | -4.3 pts |
| Loan growth (YoY) | +1.3% | +5.3% | -4.1 pts |
| ROA | 1.26% | 1.28% | -0.0 pts |
| ROE | 16.6% | 12.4% | +4.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $585.6M | $508.2M | $356.6M | $45.2M | $3.7M | 1.26% | 3.55% | 0.16% |
| Q1 2026 | $594.9M | $519.5M | $351.7M | $44.3M | $1.8M | 1.23% | 3.46% | 0.14% |
| Q4 2025 | $587.8M | $507.7M | $353.3M | $44.3M | $6.5M | 1.11% | 3.37% | 0.12% |
| Q3 2025 | $591.9M | $509.9M | $357.5M | $43.1M | $4.9M | 1.12% | 3.32% | 0.15% |
| Q2 2025 | $577.9M | $508.0M | $352.2M | $40.8M | $3.2M | 1.10% | 3.27% | 0.13% |
| Q1 2025 | $589.1M | $518.8M | $348.5M | $39.3M | $1.4M | 0.98% | 3.17% | 0.15% |
| Q4 2024 | $576.2M | $509.0M | $345.9M | $36.8M | $5.1M | 0.89% | 2.91% | 0.11% |
| Q3 2024 | $571.0M | $500.8M | $347.2M | $40.0M | $3.6M | 0.83% | 2.88% | 0.05% |
Loan mix (Q2 2026): real estate $291.8M · commercial $23.7M · consumer $35.6M · securities $189.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 12.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 61.2% | 67th |
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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