| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.4 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $322.4M | $288.0M | $249.8M | $25.5M | $1.5M | 0.91% | 4.23% | 1.95% |
| Q1 2026 | $320.4M | $286.6M | $244.2M | $25.1M | $748K | 0.94% | 4.25% | 2.01% |
| Q4 2025 | $318.8M | $280.8M | $253.8M | $25.1M | $2.7M | 0.82% | 4.04% | 2.00% |
| Q3 2025 | $324.1M | $285.3M | $248.9M | $24.8M | $2.0M | 0.84% | 3.96% | 2.10% |
| Q2 2025 | $321.5M | $284.4M | $249.4M | $23.5M | $1.0M | 0.65% | 3.85% | 2.15% |
| Q1 2025 | $321.8M | $285.9M | $245.7M | $22.7M | $461K | 0.57% | 3.80% | 0.69% |
| Q4 2024 | $325.7M | $289.0M | $242.3M | $21.6M | $1.5M | 0.46% | 3.90% | 0.26% |
| Q3 2024 | $319.2M | $285.0M | $236.0M | $22.4M | $1.2M | 0.50% | 3.90% | 0.26% |
Loan mix (Q2 2026): real estate $239.7M · commercial $11.3M · consumer $211K · securities $47.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 62.9% | 82th |
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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