| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +5.5% | -2.6 pts |
| Deposit growth (YoY) | +1.6% | +5.1% | -3.4 pts |
| Loan growth (YoY) | +2.7% | +5.9% | -3.2 pts |
| ROA | 1.13% | 1.26% | -0.1 pts |
| ROE | 10.2% | 12.2% | -1.9 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.93B | $1.69B | $1.09B | $216.1M | $10.9M | 1.13% | 3.80% | 0.30% |
| Q1 2026 | $1.92B | $1.70B | $1.06B | $212.5M | $6.0M | 1.25% | 3.82% | 0.32% |
| Q4 2025 | $1.91B | $1.68B | $1.05B | $209.6M | $21.4M | 1.13% | 3.80% | 0.38% |
| Q3 2025 | $1.91B | $1.69B | $1.06B | $203.1M | $15.4M | 1.09% | 3.75% | 0.42% |
| Q2 2025 | $1.87B | $1.67B | $1.06B | $192.3M | $9.3M | 0.99% | 3.73% | 0.54% |
| Q1 2025 | $1.88B | $1.68B | $1.04B | $184.4M | $3.7M | 0.79% | 3.62% | 0.81% |
| Q4 2024 | $1.89B | $1.70B | $1.05B | $174.8M | $20.3M | 1.07% | 3.63% | 0.59% |
| Q3 2024 | $1.93B | $1.73B | $1.04B | $179.8M | $14.4M | 1.01% | 3.59% | 0.21% |
Loan mix (Q2 2026): real estate $872.4M · commercial $152.5M · consumer $343K · securities $618.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 59.0% | 48th |
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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