| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.9% | +3.5 pts |
| Deposit growth (YoY) | +8.9% | +4.3% | +4.6 pts |
| Loan growth (YoY) | +7.8% | +5.3% | +2.5 pts |
| ROA | 0.57% | 1.28% | -0.7 pts |
| ROE | 5.0% | 12.4% | -7.4 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $901.8M | $800.0M | $552.0M | $98.0M | $2.5M | 0.57% | 3.24% | 0.44% |
| Q1 2026 | $858.0M | $756.8M | $527.1M | $97.5M | $1.4M | 0.64% | 3.23% | 0.55% |
| Q4 2025 | $845.8M | $744.0M | $523.1M | $96.9M | $5.2M | 0.63% | 3.15% | 0.57% |
| Q3 2025 | $835.9M | $735.5M | $508.3M | $94.8M | $3.9M | 0.64% | 3.13% | 0.48% |
| Q2 2025 | $832.1M | $734.3M | $511.8M | $92.3M | $2.5M | 0.62% | 3.09% | 0.54% |
| Q1 2025 | $813.1M | $717.4M | $505.9M | $90.1M | $1.3M | 0.65% | 3.00% | 0.50% |
| Q4 2024 | $786.1M | $693.9M | $502.7M | $86.4M | $4.5M | 0.59% | 3.05% | 0.54% |
| Q3 2024 | $767.0M | $669.4M | $496.2M | $89.1M | $3.4M | 0.59% | 3.05% | 0.37% |
Loan mix (Q2 2026): real estate $505.0M · commercial $19.6M · consumer $2.7M · securities $194.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 12.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 61.2% | 86th |
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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