| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.9% | -0.0 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.8 pts |
| ROA | 1.43% | 1.28% | +0.1 pts |
| ROE | 9.9% | 12.4% | -2.5 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $921.5M | $761.9M | $564.0M | $136.0M | $6.6M | 1.43% | 4.18% | 0.85% |
| Q1 2026 | $930.4M | $774.0M | $575.7M | $132.5M | $3.4M | 1.44% | 4.16% | 0.88% |
| Q4 2025 | $936.4M | $781.6M | $564.4M | $132.2M | $11.2M | 1.21% | 4.10% | 0.89% |
| Q3 2025 | $964.6M | $809.9M | $558.2M | $129.9M | $9.5M | 1.37% | 4.07% | 0.52% |
| Q2 2025 | $878.8M | $729.6M | $544.9M | $124.3M | $6.0M | 1.33% | 4.11% | 0.61% |
| Q1 2025 | $904.2M | $756.6M | $517.5M | $121.8M | $2.9M | 1.25% | 4.00% | 0.58% |
| Q4 2024 | $921.9M | $777.9M | $523.4M | $118.2M | $10.8M | 1.17% | 3.90% | 0.44% |
| Q3 2024 | $970.7M | $823.1M | $546.8M | $121.8M | $7.9M | 1.15% | 3.79% | 0.58% |
Loan mix (Q2 2026): real estate $522.5M · commercial $22.7M · consumer $2.7M · securities $225.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.4% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 61.2% | 44th |
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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