| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +4.9% | +5.8 pts |
| Deposit growth (YoY) | +9.4% | +4.3% | +5.1 pts |
| Loan growth (YoY) | +0.6% | +5.3% | -4.8 pts |
| ROA | 1.59% | 1.28% | +0.3 pts |
| ROE | 13.1% | 12.4% | +0.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $651.9M | $570.0M | $161.3M | $79.2M | $5.0M | 1.59% | 3.02% | 0.18% |
| Q1 2026 | $626.2M | $547.5M | $153.8M | $76.2M | $2.4M | 1.54% | 2.97% | 0.22% |
| Q4 2025 | $625.9M | $548.0M | $152.0M | $75.7M | $8.1M | 1.35% | 2.93% | 0.21% |
| Q3 2025 | $610.4M | $536.1M | $159.3M | $71.7M | $5.6M | 1.24% | 2.87% | 0.20% |
| Q2 2025 | $588.9M | $521.0M | $160.4M | $65.6M | $3.2M | 1.07% | 2.86% | 0.25% |
| Q1 2025 | $598.7M | $534.1M | $157.2M | $62.3M | $1.9M | 1.27% | 2.79% | 0.26% |
| Q4 2024 | $592.6M | $531.7M | $158.0M | $58.9M | $6.3M | 1.07% | 2.63% | 0.26% |
| Q3 2024 | $579.0M | $515.9M | $143.5M | $60.6M | $4.5M | 1.01% | 2.61% | 0.06% |
Loan mix (Q2 2026): real estate $107.2M · commercial $34.8M · consumer $10.4M · securities $439.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 61.2% | 22th |
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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