| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.9% | +1.5 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +0.4% | +5.3% | -4.9 pts |
| ROA | 0.80% | 1.28% | -0.5 pts |
| ROE | 7.5% | 12.4% | -5.0 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $551.7M | $488.6M | $251.2M | $58.9M | $2.2M | 0.80% | 2.41% | 0.05% |
| Q1 2026 | $537.5M | $475.7M | $256.3M | $57.5M | $774K | 0.59% | 2.32% | 0.04% |
| Q4 2025 | $520.7M | $459.7M | $258.3M | $56.7M | $3.4M | 0.64% | 2.01% | 0.00% |
| Q3 2025 | $514.9M | $437.0M | $262.1M | $56.0M | $2.7M | 0.68% | 1.96% | 0.00% |
| Q2 2025 | $518.5M | $459.7M | $250.2M | $54.9M | $1.5M | 0.59% | 1.86% | 0.00% |
| Q1 2025 | $520.1M | $462.3M | $244.6M | $54.1M | $774K | 0.59% | 1.84% | 0.00% |
| Q4 2024 | $535.9M | $478.8M | $247.8M | $53.3M | $1.1M | 0.20% | 1.37% | 0.00% |
| Q3 2024 | $525.4M | $447.3M | $244.2M | $52.7M | $432K | 0.11% | 1.22% | 0.00% |
Loan mix (Q2 2026): real estate $174.1M · commercial $32.9M · consumer $2.5M · securities $182.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 61.2% | 45th |
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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