| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.5% | +1.3 pts |
| Deposit growth (YoY) | -1.0% | +5.1% | -6.0 pts |
| Loan growth (YoY) | +6.6% | +5.9% | +0.7 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 7.1% | 12.2% | -5.0 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $620.8M | $934.9M | $171.2M | $6.0M | 1.14% | 3.02% | 0.50% |
| Q1 2026 | $1.06B | $616.9M | $906.5M | $167.9M | $2.6M | 0.99% | 2.99% | 0.44% |
| Q4 2025 | $1.03B | $609.2M | $919.2M | $165.7M | $6.9M | 0.69% | 2.58% | 0.42% |
| Q3 2025 | $1.00B | $621.1M | $888.5M | $163.7M | $5.0M | 0.67% | 2.51% | 0.62% |
| Q2 2025 | $993.9M | $627.1M | $876.9M | $161.2M | $3.0M | 0.60% | 2.47% | 0.59% |
| Q1 2025 | $1.00B | $621.2M | $886.1M | $159.4M | $1.5M | 0.62% | 2.46% | 0.21% |
| Q4 2024 | $981.0M | $592.4M | $869.4M | $157.2M | $4.1M | 0.41% | 2.17% | 0.14% |
| Q3 2024 | $1.00B | $615.8M | $869.2M | $157.4M | $3.1M | 0.41% | 2.04% | 0.94% |
Loan mix (Q2 2026): real estate $937.1M · commercial $0 · consumer $2.2M · securities $62.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 59.0% | 36th |
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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