| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +7.3% | +4.3% | +2.9 pts |
| Loan growth (YoY) | +3.7% | +5.3% | -1.6 pts |
| ROA | 0.32% | 1.28% | -1.0 pts |
| ROE | 2.1% | 12.4% | -10.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $685.7M | $512.0M | $579.6M | $100.1M | $1.1M | 0.32% | 1.80% | 0.37% |
| Q1 2026 | $669.5M | $497.6M | $579.9M | $99.5M | $522K | 0.32% | 1.76% | 0.36% |
| Q4 2025 | $652.4M | $490.1M | $571.6M | $99.0M | $243K | 0.04% | 1.57% | 0.22% |
| Q3 2025 | $642.7M | $478.0M | $563.2M | $99.2M | $464K | 0.10% | 1.58% | 0.10% |
| Q2 2025 | $648.0M | $477.4M | $559.0M | $99.0M | $222K | 0.07% | 1.49% | 0.07% |
| Q1 2025 | $641.2M | $470.7M | $555.9M | $98.8M | $106K | 0.07% | 1.43% | 0.08% |
| Q4 2024 | $652.7M | $468.3M | $549.7M | $98.7M | $-44K | -0.01% | 1.34% | 0.09% |
| Q3 2024 | $649.2M | $464.4M | $544.4M | $99.1M | $259K | 0.05% | 1.35% | 0.11% |
Loan mix (Q2 2026): real estate $566.7M · commercial $0 · consumer $267K · securities $45.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.28% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 61.2% | 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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