| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.9% | -4.6 pts |
| Deposit growth (YoY) | +0.0% | +4.3% | -4.3 pts |
| Loan growth (YoY) | +2.7% | +5.3% | -2.6 pts |
| ROA | 1.81% | 1.28% | +0.5 pts |
| ROE | 17.2% | 12.4% | +4.8 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $733.2M | $646.6M | $626.2M | $78.7M | $6.7M | 1.81% | 4.45% | 0.89% |
| Q1 2026 | $740.9M | $656.0M | $605.9M | $77.5M | $3.1M | 1.69% | 4.35% | 0.62% |
| Q4 2025 | $739.7M | $655.7M | $598.2M | $76.9M | $12.8M | 1.75% | 4.36% | 0.41% |
| Q3 2025 | $737.7M | $650.5M | $609.1M | $77.1M | $9.5M | 1.74% | 4.32% | 0.88% |
| Q2 2025 | $730.6M | $646.3M | $609.5M | $76.6M | $5.8M | 1.60% | 4.19% | 0.73% |
| Q1 2025 | $737.7M | $644.5M | $617.8M | $76.4M | $2.7M | 1.51% | 4.09% | 0.76% |
| Q4 2024 | $715.7M | $626.4M | $611.3M | $75.4M | $12.0M | 1.66% | 4.02% | 0.94% |
| Q3 2024 | $711.2M | $616.5M | $602.8M | $76.0M | $9.0M | 1.67% | 3.97% | 1.20% |
Loan mix (Q2 2026): real estate $455.1M · commercial $143.9M · consumer $23.3M · securities $45.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 61.2% | 44th |
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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