| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.7 pts |
| Loan growth (YoY) | -5.1% | +5.6% | -10.7 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $406.3M | $324.4M | $143.2M | $34.6M | $2.1M | 1.05% | 2.87% | 0.25% |
| Q1 2026 | $394.3M | $318.1M | $141.4M | $35.0M | $1.1M | 1.09% | 2.86% | 0.34% |
| Q4 2025 | $384.4M | $304.6M | $148.7M | $34.7M | $3.1M | 0.82% | 2.62% | 0.69% |
| Q3 2025 | $389.5M | $300.5M | $148.2M | $33.5M | $2.3M | 0.81% | 2.57% | 0.71% |
| Q2 2025 | $377.0M | $304.2M | $150.9M | $29.9M | $1.4M | 0.76% | 2.54% | 0.68% |
| Q1 2025 | $386.5M | $312.2M | $148.0M | $30.1M | $624K | 0.66% | 2.47% | 0.38% |
| Q4 2024 | $368.9M | $299.0M | $147.8M | $28.3M | $2.3M | 0.64% | 2.47% | 0.40% |
| Q3 2024 | $366.9M | $300.6M | $150.3M | $31.9M | $1.9M | 0.68% | 2.50% | 0.35% |
Loan mix (Q2 2026): real estate $108.6M · commercial $28.0M · consumer $1.1M · securities $195.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 62.9% | 21th |
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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