| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +5.5% | -13.1 pts |
| Deposit growth (YoY) | -10.3% | +5.1% | -15.4 pts |
| Loan growth (YoY) | -3.5% | +5.9% | -9.4 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 10.0% | 12.2% | -2.2 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 | $1.68B | $1.46B | $661.4M | $211.8M | $10.4M | 1.19% | 2.52% | 0.51% |
| Q1 2026 | $1.76B | $1.53B | $658.6M | $207.1M | $5.4M | 1.22% | 2.52% | 0.48% |
| Q4 2025 | $1.79B | $1.57B | $663.6M | $204.0M | $19.7M | 1.09% | 2.32% | 0.67% |
| Q3 2025 | $1.79B | $1.59B | $679.1M | $195.9M | $13.8M | 1.01% | 2.28% | 0.59% |
| Q2 2025 | $1.82B | $1.63B | $685.3M | $180.4M | $8.7M | 0.95% | 2.20% | 0.57% |
| Q1 2025 | $1.82B | $1.63B | $701.9M | $171.9M | $4.5M | 0.99% | 2.22% | 0.34% |
| Q4 2024 | $1.83B | $1.66B | $704.2M | $155.8M | $19.9M | 1.05% | 2.25% | 0.18% |
| Q3 2024 | $1.87B | $1.69B | $678.2M | $163.6M | $15.1M | 1.06% | 2.25% | 0.17% |
Loan mix (Q2 2026): real estate $526.0M · commercial $84.4M · consumer $10.8M · securities $614.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 59.0% | 12th |
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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