| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.3 pts |
| Loan growth (YoY) | +10.0% | +5.6% | +4.5 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 7.4% | 11.9% | -4.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $386.1M | $342.0M | $246.6M | $40.5M | $1.5M | 0.75% | 3.45% | 0.42% |
| Q1 2026 | $392.8M | $350.0M | $241.6M | $39.4M | $867K | 0.88% | 3.35% | 0.41% |
| Q4 2025 | $393.4M | $351.0M | $246.3M | $39.4M | $3.4M | 0.88% | 3.40% | 0.41% |
| Q3 2025 | $381.9M | $329.8M | $237.7M | $41.4M | $2.6M | 0.89% | 3.39% | 0.43% |
| Q2 2025 | $381.9M | $339.8M | $224.1M | $38.4M | $1.7M | 0.90% | 3.36% | 0.43% |
| Q1 2025 | $399.6M | $359.0M | $209.3M | $37.4M | $910K | 0.94% | 3.26% | 0.41% |
| Q4 2024 | $376.3M | $337.8M | $229.7M | $35.6M | $3.7M | 0.96% | 3.07% | 0.44% |
| Q3 2024 | $387.7M | $331.0M | $241.4M | $40.3M | $2.6M | 0.90% | 3.00% | 0.65% |
Loan mix (Q2 2026): real estate $162.9M · commercial $22.9M · consumer $6.8M · securities $101.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 62.9% | 75th |
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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