| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 5.0% | 11.9% | -6.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.2M | $313.7M | $297.2M | $40.7M | $1.0M | 0.51% | 3.24% | 4.83% |
| Q1 2026 | $395.4M | $314.4M | $283.6M | $40.2M | $576K | 0.59% | 3.39% | 4.64% |
| Q4 2025 | $392.1M | $307.5M | $284.3M | $39.7M | $1.5M | 0.38% | 3.00% | 3.25% |
| Q3 2025 | $376.0M | $327.1M | $276.4M | $39.0M | $917K | 0.32% | 2.89% | 3.67% |
| Q2 2025 | $372.8M | $305.4M | $273.3M | $38.3M | $510K | 0.26% | 2.75% | 3.36% |
| Q1 2025 | $397.6M | $342.7M | $284.5M | $37.9M | $151K | 0.15% | 2.54% | 4.26% |
| Q4 2024 | $394.4M | $354.9M | $286.5M | $37.6M | $673K | 0.18% | 2.63% | 4.57% |
| Q3 2024 | $373.3M | $332.8M | $291.3M | $37.6M | $589K | 0.21% | 2.71% | 3.32% |
Loan mix (Q2 2026): real estate $263.3M · commercial $30.3M · consumer $7.0M · securities $19.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 62.9% | 82th |
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% |
The full ratio pack is part of CharterBench Pro.