| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.2 pts |
| ROA | 0.74% | 1.28% | -0.5 pts |
| ROE | 7.8% | 12.4% | -4.7 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $719.0M | $632.0M | $511.3M | $68.2M | $2.6M | 0.74% | 4.34% | 1.08% |
| Q1 2026 | $706.5M | $620.7M | $507.1M | $66.8M | $1.3M | 0.74% | 4.33% | 1.05% |
| Q4 2025 | $698.5M | $613.9M | $510.4M | $66.3M | $5.0M | 0.72% | 4.28% | 1.11% |
| Q3 2025 | $722.4M | $634.8M | $509.2M | $63.7M | $4.0M | 0.77% | 4.25% | 0.89% |
| Q2 2025 | $701.1M | $611.7M | $505.4M | $61.4M | $2.6M | 0.76% | 4.18% | 1.01% |
| Q1 2025 | $690.5M | $607.4M | $499.4M | $59.7M | $1.1M | 0.64% | 4.07% | 1.02% |
| Q4 2024 | $675.9M | $594.8M | $494.6M | $58.5M | $5.2M | 0.77% | 4.14% | 1.09% |
| Q3 2024 | $680.8M | $607.6M | $488.6M | $56.1M | $3.9M | 0.77% | 4.07% | 1.05% |
Loan mix (Q2 2026): real estate $337.2M · commercial $51.1M · consumer $128.0M · securities $77.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.28% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 12.4% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 61.2% | 82th |
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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