| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -1.9 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 13.8% | 11.9% | +2.0 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $437.8M | $373.1M | $324.5M | $43.3M | $3.0M | 1.35% | 4.15% | 0.84% |
| Q1 2026 | $434.0M | $370.4M | $326.4M | $43.5M | $1.5M | 1.39% | 4.05% | 1.18% |
| Q4 2025 | $451.1M | $386.4M | $334.1M | $42.6M | $3.6M | 0.81% | 3.86% | 1.24% |
| Q3 2025 | $436.7M | $365.4M | $321.9M | $40.9M | $1.7M | 0.52% | 3.83% | 1.28% |
| Q2 2025 | $436.2M | $365.8M | $322.1M | $38.5M | $177K | 0.08% | 3.81% | 1.21% |
| Q1 2025 | $438.6M | $379.1M | $322.7M | $37.1M | $-256K | -0.23% | 3.73% | 1.19% |
| Q4 2024 | $456.5M | $393.5M | $334.8M | $36.4M | $3.3M | 0.72% | 3.42% | 1.53% |
| Q3 2024 | $452.8M | $381.1M | $336.8M | $36.5M | $2.7M | 0.79% | 3.39% | 1.54% |
Loan mix (Q2 2026): real estate $251.0M · commercial $41.7M · consumer $6.0M · securities $73.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | 56th |
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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