| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.5% | +0.9 pts |
| Deposit growth (YoY) | +8.2% | +5.1% | +3.1 pts |
| Loan growth (YoY) | +1.6% | +5.9% | -4.3 pts |
| ROA | 0.74% | 1.26% | -0.5 pts |
| ROE | 8.4% | 12.2% | -3.7 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.65B | $1.49B | $1.12B | $146.1M | $6.1M | 0.74% | 3.26% | 0.04% |
| Q1 2026 | $1.65B | $1.50B | $1.11B | $144.3M | $2.5M | 0.61% | 3.14% | 0.07% |
| Q4 2025 | $1.65B | $1.49B | $1.09B | $144.4M | $6.4M | 0.41% | 3.05% | 0.10% |
| Q3 2025 | $1.56B | $1.40B | $1.08B | $141.1M | $4.1M | 0.35% | 3.04% | 0.07% |
| Q2 2025 | $1.55B | $1.38B | $1.10B | $137.1M | $1.6M | 0.21% | 3.02% | 0.10% |
| Q1 2025 | $1.54B | $1.39B | $1.09B | $134.8M | $-410K | -0.11% | 3.00% | 0.12% |
| Q4 2024 | $1.57B | $1.40B | $1.11B | $133.0M | $5.6M | 0.36% | 2.92% | 0.11% |
| Q3 2024 | $1.57B | $1.35B | $1.10B | $139.8M | $4.4M | 0.38% | 2.91% | 0.12% |
Loan mix (Q2 2026): real estate $1.04B · commercial $60.5M · consumer $19.9M · securities $291.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.2% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 59.0% | 87th |
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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