| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -1.9 pts |
| Deposit growth (YoY) | +1.8% | +5.1% | -3.2 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -1.0 pts |
| ROA | 0.82% | 1.26% | -0.4 pts |
| ROE | 7.1% | 12.2% | -5.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.28B | $1.12B | $780.1M | $148.9M | $5.2M | 0.82% | 4.95% | 0.40% |
| Q1 2026 | $1.28B | $1.11B | $787.0M | $148.8M | $5.0M | 1.57% | 4.66% | 1.03% |
| Q4 2025 | $1.26B | $1.10B | $778.4M | $147.1M | $30.4M | 2.46% | 4.45% | 0.59% |
| Q3 2025 | $1.25B | $1.11B | $759.7M | $135.5M | $18.7M | 2.03% | 4.43% | 0.27% |
| Q2 2025 | $1.24B | $1.10B | $743.3M | $128.1M | $11.4M | 1.86% | 4.38% | 0.30% |
| Q1 2025 | $1.22B | $1.08B | $734.8M | $122.8M | $5.5M | 1.80% | 4.30% | 0.23% |
| Q4 2024 | $1.21B | $1.09B | $757.4M | $115.9M | $14.1M | 1.17% | 4.07% | 0.32% |
| Q3 2024 | $1.20B | $1.07B | $746.1M | $116.6M | $11.8M | 1.30% | 4.02% | 0.47% |
Loan mix (Q2 2026): real estate $682.1M · commercial $77.8M · consumer $26.2M · securities $249.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 59.0% | 61th |
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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