| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | -0.4% | +5.6% | -6.0 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $328.3M | $280.3M | $273.6M | $29.4M | $1.3M | 0.81% | 3.68% | 1.55% |
| Q1 2026 | $329.5M | $279.9M | $276.6M | $29.0M | $700K | 0.85% | 3.59% | 1.66% |
| Q4 2025 | $329.3M | $276.5M | $280.8M | $29.2M | $3.5M | 1.11% | 3.36% | 1.48% |
| Q3 2025 | $324.9M | $269.4M | $278.6M | $27.9M | $2.2M | 0.95% | 3.25% | 1.62% |
| Q2 2025 | $318.8M | $264.3M | $274.7M | $26.9M | $1.3M | 0.84% | 3.20% | 1.50% |
| Q1 2025 | $307.7M | $257.0M | $262.8M | $26.2M | $421K | 0.55% | 3.13% | 1.65% |
| Q4 2024 | $304.6M | $254.0M | $259.4M | $26.2M | $1.8M | 0.59% | 2.82% | 1.33% |
| Q3 2024 | $299.9M | $249.8M | $256.7M | $25.7M | $1.1M | 0.48% | 2.77% | 1.42% |
Loan mix (Q2 2026): real estate $214.3M · commercial $37.4M · consumer $11.7M · securities $16.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 62.9% | 57th |
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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