| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +6.4% | +5.3% | +1.1 pts |
| ROA | 0.98% | 1.28% | -0.3 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $988.9M | $807.2M | $814.4M | $90.0M | $4.8M | 0.98% | 3.37% | 0.67% |
| Q1 2026 | $982.4M | $760.4M | $813.9M | $89.5M | $2.3M | 0.92% | 3.28% | 0.68% |
| Q4 2025 | $986.0M | $772.3M | $802.1M | $88.0M | $7.5M | 0.77% | 2.94% | 0.68% |
| Q3 2025 | $971.7M | $775.3M | $771.3M | $86.0M | $5.5M | 0.75% | 2.86% | 0.53% |
| Q2 2025 | $980.6M | $777.1M | $765.4M | $84.5M | $3.3M | 0.67% | 2.79% | 0.03% |
| Q1 2025 | $959.6M | $768.4M | $742.1M | $82.4M | $1.6M | 0.66% | 2.71% | 0.07% |
| Q4 2024 | $970.6M | $802.4M | $735.9M | $79.1M | $5.6M | 0.57% | 2.36% | 0.09% |
| Q3 2024 | $973.5M | $766.7M | $729.1M | $80.9M | $4.1M | 0.56% | 2.29% | 0.03% |
Loan mix (Q2 2026): real estate $710.0M · commercial $115.7M · consumer $540K · securities $100.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 61.2% | 42th |
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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