| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.8% | 11.9% | -4.1 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 | $374.5M | $340.4M | $270.3M | $32.8M | $1.3M | 0.68% | 3.19% | 2.77% |
| Q1 2026 | $376.1M | $342.3M | $272.1M | $32.6M | $674K | 0.73% | 3.30% | 3.47% |
| Q4 2025 | $365.4M | $332.5M | $267.2M | $32.2M | $2.8M | 0.77% | 3.31% | 2.19% |
| Q3 2025 | $364.8M | $331.1M | $263.0M | $32.0M | $2.0M | 0.76% | 3.28% | 2.06% |
| Q2 2025 | $358.7M | $326.3M | $256.9M | $30.9M | $1.4M | 0.77% | 3.31% | 1.78% |
| Q1 2025 | $352.5M | $321.1M | $255.4M | $30.2M | $688K | 0.78% | 3.30% | 1.23% |
| Q4 2024 | $350.1M | $320.6M | $244.8M | $28.7M | $2.1M | 0.63% | 2.91% | 0.98% |
| Q3 2024 | $350.6M | $318.5M | $237.5M | $30.4M | $1.4M | 0.55% | 2.83% | 0.72% |
Loan mix (Q2 2026): real estate $194.0M · commercial $22.7M · consumer $28.9M · securities $58.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 62.9% | 55th |
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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