| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -2.3% | +5.6% | -7.9 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.5M | $274.8M | $217.5M | $43.0M | $2.0M | 1.28% | 4.89% | 2.80% |
| Q1 2026 | $323.0M | $280.2M | $215.6M | $42.1M | $1.0M | 1.30% | 4.84% | 3.03% |
| Q4 2025 | $307.0M | $264.4M | $219.6M | $42.1M | $3.5M | 1.15% | 4.92% | 2.85% |
| Q3 2025 | $298.1M | $256.3M | $225.4M | $40.9M | $2.7M | 1.17% | 4.91% | 2.72% |
| Q2 2025 | $311.8M | $261.4M | $222.6M | $39.8M | $1.9M | 1.21% | 4.90% | 3.08% |
| Q1 2025 | $321.5M | $281.2M | $219.3M | $39.5M | $933K | 1.19% | 4.79% | 1.93% |
| Q4 2024 | $307.3M | $268.7M | $214.0M | $38.0M | $3.6M | 1.19% | 4.63% | 1.66% |
| Q3 2024 | $292.7M | $252.8M | $219.6M | $38.5M | $2.4M | 1.10% | 4.65% | 1.81% |
Loan mix (Q2 2026): real estate $183.2M · commercial $6.8M · consumer $4.8M · securities $63.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53th |
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% |
The full ratio pack is part of CharterBench Pro.