| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | -4.3% | +4.0% | -8.2 pts |
| Loan growth (YoY) | -5.1% | +5.6% | -10.6 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $472.6M | $361.0M | $176.7M | $65.4M | $3.2M | 1.32% | 3.02% | 0.08% |
| Q1 2026 | $501.2M | $362.8M | $182.0M | $63.5M | $1.6M | 1.26% | 2.94% | 0.08% |
| Q4 2025 | $480.7M | $333.6M | $194.2M | $64.3M | $6.9M | 1.44% | 3.08% | 0.09% |
| Q3 2025 | $489.5M | $371.4M | $189.7M | $62.6M | $5.2M | 1.44% | 3.07% | 0.09% |
| Q2 2025 | $487.4M | $377.2M | $186.2M | $60.2M | $3.2M | 1.34% | 3.04% | 0.09% |
| Q1 2025 | $479.2M | $370.4M | $191.7M | $58.7M | $1.5M | 1.27% | 2.98% | 0.09% |
| Q4 2024 | $465.4M | $352.6M | $205.3M | $59.7M | $7.1M | 1.56% | 3.18% | 0.10% |
| Q3 2024 | $465.7M | $358.3M | $203.5M | $57.6M | $5.2M | 1.53% | 3.17% | 0.10% |
Loan mix (Q2 2026): real estate $121.7M · commercial $13.6M · consumer $3.6M · securities $277.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 62.9% | 13th |
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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