| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +4.9% | -8.9 pts |
| Deposit growth (YoY) | -4.6% | +4.3% | -8.9 pts |
| Loan growth (YoY) | -19.4% | +5.3% | -24.7 pts |
| ROA | 0.45% | 1.28% | -0.8 pts |
| ROE | 4.7% | 12.4% | -7.8 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $968.3M | $869.7M | $492.0M | $95.7M | $2.2M | 0.45% | 4.29% | 2.87% |
| Q1 2026 | $965.4M | $868.3M | $530.8M | $94.5M | $1.2M | 0.49% | 4.28% | 3.14% |
| Q4 2025 | $978.8M | $882.7M | $549.1M | $93.8M | $5.7M | 0.57% | 4.31% | 3.17% |
| Q3 2025 | $975.6M | $877.7M | $582.1M | $94.8M | $4.6M | 0.61% | 4.31% | 3.59% |
| Q2 2025 | $1.01B | $911.8M | $610.3M | $93.9M | $3.5M | 0.69% | 4.28% | 3.60% |
| Q1 2025 | $1.00B | $906.7M | $666.3M | $92.1M | $1.8M | 0.70% | 4.32% | 3.52% |
| Q4 2024 | $1.02B | $925.9M | $693.2M | $91.6M | $6.4M | 0.63% | 4.56% | 3.40% |
| Q3 2024 | $1.03B | $937.8M | $703.5M | $92.1M | $4.3M | 0.56% | 4.57% | 3.25% |
Loan mix (Q2 2026): real estate $429.7M · commercial $50.6M · consumer $4.0M · securities $155.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 61.2% | 94th |
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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