| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +4.4% | -7.1 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $386.4M | $337.6M | $216.7M | $37.0M | $1.7M | 0.85% | 3.91% | 1.85% |
| Q1 2026 | $413.8M | $356.2M | $205.8M | $35.9M | $858K | 0.83% | 3.71% | 1.79% |
| Q4 2025 | $412.1M | $355.2M | $206.1M | $35.3M | $3.0M | 0.73% | 3.51% | 1.84% |
| Q3 2025 | $417.2M | $361.5M | $205.0M | $33.9M | $2.1M | 0.69% | 3.42% | 1.78% |
| Q2 2025 | $397.3M | $342.5M | $201.6M | $32.1M | $1.2M | 0.59% | 3.36% | 2.17% |
| Q1 2025 | $405.0M | $352.9M | $195.5M | $30.5M | $556K | 0.55% | 3.27% | 1.71% |
| Q4 2024 | $410.0M | $360.0M | $193.4M | $28.6M | $2.2M | 0.53% | 3.05% | 1.69% |
| Q3 2024 | $422.2M | $365.9M | $192.1M | $29.6M | $1.7M | 0.55% | 3.01% | 1.60% |
Loan mix (Q2 2026): real estate $172.6M · commercial $30.1M · consumer $12.1M · securities $131.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 62.9% | 62th |
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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