| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.9% | -1.1 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +1.7% | +5.3% | -3.7 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 5.3% | 12.4% | -7.2 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $508.0M | $401.2M | $429.1M | $92.4M | $2.4M | 0.97% | 3.64% | 0.64% |
| Q1 2026 | $496.9M | $391.1M | $426.2M | $91.4M | $1.3M | 1.05% | 3.60% | 0.84% |
| Q4 2025 | $482.4M | $377.9M | $427.0M | $90.2M | $3.8M | 0.78% | 3.42% | 0.77% |
| Q3 2025 | $481.8M | $378.1M | $425.3M | $89.2M | $2.9M | 0.78% | 3.37% | 0.69% |
| Q2 2025 | $489.4M | $384.9M | $422.0M | $88.0M | $1.8M | 0.72% | 3.28% | 0.62% |
| Q1 2025 | $492.8M | $389.2M | $420.6M | $87.2M | $924K | 0.76% | 3.16% | 0.50% |
| Q4 2024 | $481.4M | $378.7M | $419.2M | $86.2M | $3.1M | 0.66% | 3.15% | 0.35% |
| Q3 2024 | $474.7M | $372.7M | $416.9M | $85.6M | $2.4M | 0.69% | 3.14% | 0.37% |
Loan mix (Q2 2026): real estate $419.4M · commercial $805K · consumer $13.6M · securities $27.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 61.2% | 62th |
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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