| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | -3.1% | +4.3% | -7.4 pts |
| Loan growth (YoY) | +3.2% | +5.3% | -2.2 pts |
| ROA | 1.59% | 1.28% | +0.3 pts |
| ROE | 13.8% | 12.4% | +1.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $836.2M | $651.3M | $648.0M | $97.1M | $6.5M | 1.59% | 4.25% | 1.22% |
| Q1 2026 | $811.8M | $650.5M | $631.1M | $93.2M | $3.2M | 1.56% | 4.22% | 1.28% |
| Q4 2025 | $813.1M | $654.0M | $632.3M | $93.7M | $10.5M | 1.30% | 4.24% | 1.35% |
| Q3 2025 | $817.0M | $659.9M | $630.7M | $91.7M | $9.0M | 1.49% | 4.17% | 0.30% |
| Q2 2025 | $811.3M | $672.0M | $628.1M | $85.7M | $5.7M | 1.42% | 4.12% | 0.23% |
| Q1 2025 | $800.5M | $654.9M | $614.5M | $83.7M | $2.6M | 1.33% | 3.95% | 0.22% |
| Q4 2024 | $787.6M | $623.4M | $605.0M | $80.5M | $11.1M | 1.42% | 3.84% | 0.10% |
| Q3 2024 | $797.9M | $632.5M | $599.7M | $83.0M | $8.2M | 1.40% | 3.79% | 0.15% |
Loan mix (Q2 2026): real estate $542.5M · commercial $99.6M · consumer $4.7M · securities $126.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 61.2% | 38th |
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.