| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +4.9% | -7.7 pts |
| Deposit growth (YoY) | -3.7% | +4.3% | -8.1 pts |
| Loan growth (YoY) | -7.1% | +5.3% | -12.5 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 11.2% | 12.4% | -1.2 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $717.5M | $626.8M | $432.6M | $79.2M | $4.4M | 1.22% | 3.70% | 0.11% |
| Q1 2026 | $737.2M | $650.8M | $429.0M | $78.3M | $2.1M | 1.18% | 3.61% | 0.24% |
| Q4 2025 | $713.4M | $628.0M | $435.7M | $77.5M | $8.1M | 1.10% | 3.62% | 0.04% |
| Q3 2025 | $721.1M | $638.2M | $455.2M | $75.9M | $5.7M | 1.03% | 3.58% | 0.05% |
| Q2 2025 | $738.2M | $651.1M | $465.8M | $74.8M | $3.8M | 1.02% | 3.54% | 0.24% |
| Q1 2025 | $751.3M | $664.7M | $467.0M | $73.8M | $2.0M | 1.04% | 3.50% | 0.40% |
| Q4 2024 | $752.8M | $658.1M | $468.8M | $72.6M | $6.3M | 0.79% | 3.07% | 0.40% |
| Q3 2024 | $808.1M | $714.1M | $462.1M | $71.9M | $4.6M | 0.76% | 2.96% | 0.41% |
Loan mix (Q2 2026): real estate $407.5M · commercial $17.7M · consumer $620K · securities $203.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.4% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 61.2% | 64th |
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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