| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | +6.4% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +1.0% | +5.3% | -4.3 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 15.4% | 12.4% | +3.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $686.7M | $587.6M | $411.9M | $71.1M | $5.4M | 1.56% | 4.15% | 0.02% |
| Q1 2026 | $708.4M | $599.7M | $417.6M | $70.2M | $2.6M | 1.51% | 4.10% | 0.01% |
| Q4 2025 | $672.3M | $560.5M | $421.1M | $68.7M | $9.7M | 1.44% | 3.96% | 0.29% |
| Q3 2025 | $668.5M | $562.3M | $405.7M | $65.3M | $6.8M | 1.36% | 3.90% | 0.37% |
| Q2 2025 | $681.0M | $552.4M | $407.8M | $62.1M | $4.3M | 1.28% | 3.82% | 0.18% |
| Q1 2025 | $669.8M | $537.7M | $414.1M | $60.5M | $2.1M | 1.24% | 3.74% | 0.17% |
| Q4 2024 | $662.3M | $531.5M | $409.6M | $57.0M | $5.9M | 0.88% | 3.37% | 0.11% |
| Q3 2024 | $669.0M | $530.4M | $401.6M | $56.8M | $3.9M | 0.76% | 3.29% | 0.10% |
Loan mix (Q2 2026): real estate $290.9M · commercial $65.7M · consumer $15.4M · securities $209.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 12.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 61.2% | 58th |
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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