| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Deposit growth (YoY) | +2.5% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +4.5% | +5.3% | -0.9 pts |
| ROA | 1.76% | 1.28% | +0.5 pts |
| ROE | 6.1% | 12.4% | -6.3 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $597.1M | $420.5M | $515.2M | $172.5M | $5.2M | 1.76% | 4.80% | 0.64% |
| Q1 2026 | $591.0M | $417.3M | $507.8M | $169.8M | $2.5M | 1.69% | 4.72% | 0.66% |
| Q4 2025 | $581.0M | $408.9M | $498.2M | $167.3M | $10.6M | 1.86% | 4.81% | 0.63% |
| Q3 2025 | $574.7M | $404.6M | $488.6M | $164.6M | $8.0M | 1.87% | 4.80% | 0.63% |
| Q2 2025 | $576.9M | $410.4M | $493.3M | $161.9M | $5.3M | 1.84% | 4.75% | 0.63% |
| Q1 2025 | $563.5M | $399.7M | $485.9M | $159.1M | $2.5M | 1.75% | 4.67% | 0.54% |
| Q4 2024 | $568.9M | $406.6M | $478.1M | $156.6M | $12.0M | 2.14% | 4.68% | 0.52% |
| Q3 2024 | $553.1M | $394.8M | $483.2M | $152.4M | $7.8M | 1.86% | 4.63% | 0.50% |
Loan mix (Q2 2026): real estate $515.7M · commercial $524K · consumer $5.0M · securities $204K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 61.2% | 27th |
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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