| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.3 pts |
| Loan growth (YoY) | -0.7% | +5.9% | -6.6 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.56B | $2.61B | $3.90B | $507.4M | $28.3M | 1.24% | 2.07% | 0.78% |
| Q1 2026 | $4.55B | $2.62B | $3.90B | $482.7M | $2.9M | 0.25% | 2.00% | 0.87% |
| Q4 2025 | $4.54B | $2.57B | $3.90B | $479.7M | $54.6M | 1.21% | 1.69% | 0.69% |
| Q3 2025 | $4.53B | $2.51B | $3.91B | $461.7M | $33.8M | 1.00% | 1.62% | 0.71% |
| Q2 2025 | $4.54B | $2.50B | $3.93B | $445.8M | $16.5M | 0.73% | 1.56% | 0.70% |
| Q1 2025 | $4.52B | $2.59B | $3.92B | $437.6M | $7.1M | 0.63% | 1.47% | 0.04% |
| Q4 2024 | $4.46B | $2.51B | $3.87B | $431.8M | $28.2M | 0.63% | 1.02% | 0.03% |
| Q3 2024 | $4.45B | $2.48B | $3.86B | $421.7M | $16.8M | 0.50% | 0.95% | 0.04% |
Loan mix (Q2 2026): real estate $3.93B · commercial $93K · consumer $119K · securities $176.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.07% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.3% | 59.0% | 5th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
9 branches in 5 counties across 2 states (+0 vs 2024) · $2.50B branch deposits. Biggest market: Plymouth, MA, ranked 2nd with 9.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Plymouth, MA | 5 | $1.90B | 9.80% | 2nd |
| District of Columbia, DC | 1 | $184.8M | 0.23% | 34th |
| Nantucket, MA | 1 | $156.6M | 12.67% | 4th |
| 2 more counties with Pro → | ||||
Massachusetts: 25th with 0.37% · District of Columbia: 34th with 0.23% · Boston-Cambridge-Newton metro: 21st, 0.39% · Washington-Arlington-Alexandria metro: 85th, 0.05% ·
Branch count: 2022 8 · 2023 9 · 2024 9 · 2025 9