| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +5.9% | +4.3% | +1.5 pts |
| Loan growth (YoY) | -4.7% | +5.3% | -10.0 pts |
| ROA | 1.18% | 1.28% | -0.1 pts |
| ROE | 13.9% | 12.4% | +1.5 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $514.9M | $457.6M | $332.9M | $43.3M | $3.0M | 1.18% | 4.45% | 0.74% |
| Q1 2026 | $511.1M | $451.0M | $337.1M | $42.0M | $1.4M | 1.12% | 4.37% | 0.94% |
| Q4 2025 | $480.9M | $421.3M | $340.0M | $42.1M | $4.4M | 0.91% | 4.30% | 0.89% |
| Q3 2025 | $476.4M | $419.9M | $342.5M | $40.8M | $3.1M | 0.85% | 4.23% | 0.94% |
| Q2 2025 | $487.5M | $432.2M | $349.2M | $38.7M | $1.9M | 0.78% | 4.14% | 0.81% |
| Q1 2025 | $487.1M | $431.0M | $343.6M | $38.3M | $721K | 0.60% | 4.00% | 0.83% |
| Q4 2024 | $471.6M | $406.4M | $336.6M | $37.0M | $3.4M | 0.74% | 3.82% | 0.50% |
| Q3 2024 | $467.2M | $411.4M | $333.2M | $38.1M | $2.5M | 0.72% | 3.70% | 0.49% |
Loan mix (Q2 2026): real estate $288.2M · commercial $22.1M · consumer $15.0M · securities $126.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 61.2% | 69th |
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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