| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.5 pts |
| Deposit growth (YoY) | +0.7% | +5.1% | -4.3 pts |
| Loan growth (YoY) | — | +5.9% | — |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 15.2% | 12.2% | +3.0 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.32B | $1.19B | $0 | $125.7M | $9.2M | 1.37% | 1.60% | 0.00% |
| Q1 2026 | $1.41B | $1.29B | $0 | $121.2M | $4.4M | 1.31% | 1.55% | 0.00% |
| Q4 2025 | $1.30B | $1.19B | $0 | $117.0M | $10.7M | 0.81% | 1.12% | 0.00% |
| Q3 2025 | $1.39B | $1.28B | $0 | $113.0M | $7.6M | 0.77% | 1.05% | 0.00% |
| Q2 2025 | $1.29B | $1.18B | $0 | $109.5M | $5.2M | 0.80% | 1.12% | 0.00% |
| Q1 2025 | $1.38B | $1.27B | $0 | $105.6M | $2.3M | 0.70% | 1.13% | 0.00% |
| Q4 2024 | $1.22B | $1.12B | $0 | $100.3M | $6.1M | 0.51% | 0.74% | 0.00% |
| Q3 2024 | $1.25B | $1.14B | $0 | $102.2M | $4.4M | 0.49% | 0.72% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $1.13B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 10.9% | 59.0% | 1th |
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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