| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 10.4% | 11.9% | -1.4 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $381.4M | $324.6M | $256.3M | $39.1M | $2.0M | 1.05% | 3.29% | 0.40% |
| Q1 2026 | $386.5M | $333.3M | $250.3M | $38.2M | $1.2M | 1.28% | 3.17% | 0.50% |
| Q4 2025 | $390.4M | $329.6M | $269.3M | $38.8M | $3.6M | 0.94% | 3.14% | 0.51% |
| Q3 2025 | $376.8M | $307.2M | $252.9M | $37.6M | $3.0M | 1.05% | 3.12% | 0.47% |
| Q2 2025 | $375.0M | $309.8M | $251.8M | $36.3M | $2.3M | 1.19% | 3.12% | 0.49% |
| Q1 2025 | $374.6M | $309.7M | $243.1M | $34.0M | $957K | 1.01% | 2.95% | 0.51% |
| Q4 2024 | $383.1M | $304.5M | $258.9M | $33.2M | $2.8M | 0.74% | 2.94% | 0.47% |
| Q3 2024 | $385.6M | $301.7M | $255.3M | $35.5M | $2.1M | 0.76% | 2.90% | 0.73% |
Loan mix (Q2 2026): real estate $141.5M · commercial $25.5M · consumer $6.4M · securities $106.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51th |
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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