| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.1% | +4.9% | -15.0 pts |
| Deposit growth (YoY) | -10.8% | +4.3% | -15.1 pts |
| Loan growth (YoY) | +8.2% | +5.3% | +2.8 pts |
| ROA | 0.80% | 1.28% | -0.5 pts |
| ROE | 9.9% | 12.4% | -2.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $592.4M | $540.0M | $367.7M | $48.9M | $2.4M | 0.80% | 3.37% | 0.03% |
| Q1 2026 | $597.2M | $545.8M | $365.7M | $47.5M | $1.0M | 0.70% | 3.22% | 0.03% |
| Q4 2025 | $589.7M | $532.2M | $350.1M | $47.4M | $6.2M | 1.00% | 3.36% | 0.03% |
| Q3 2025 | $596.1M | $540.0M | $347.9M | $46.5M | $5.1M | 1.08% | 3.34% | 0.03% |
| Q2 2025 | $659.1M | $605.5M | $339.9M | $44.6M | $3.2M | 0.99% | 3.27% | 0.03% |
| Q1 2025 | $638.5M | $586.4M | $333.7M | $43.0M | $1.3M | 0.82% | 3.12% | 0.03% |
| Q4 2024 | $627.9M | $575.9M | $324.0M | $41.9M | $6.1M | 1.03% | 3.24% | 0.03% |
| Q3 2024 | $637.4M | $586.9M | $316.3M | $40.8M | $4.2M | 0.96% | 3.09% | 0.03% |
Loan mix (Q2 2026): real estate $309.7M · commercial $13.5M · consumer $9.5M · securities $48.6M
| Ratio | Highpoint Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.4% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 61.2% | 81th |
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 | Highpoint Community Bank | 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 | Highpoint Community Bank | 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 | Highpoint Community Bank | 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 | Highpoint Community Bank | 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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