| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -4.9 pts |
| Loan growth (YoY) | +13.8% | +5.9% | +7.9 pts |
| ROA | 0.31% | 1.26% | -0.9 pts |
| ROE | 1.9% | 12.2% | -10.3 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.73B | $2.12B | $1.48B | $459.1M | $4.3M | 0.31% | 2.34% | 2.15% |
| Q1 2026 | $2.73B | $2.16B | $1.42B | $456.6M | $1.6M | 0.24% | 2.25% | 2.15% |
| Q4 2025 | $2.73B | $2.16B | $1.39B | $455.1M | $5.6M | 0.21% | 2.07% | 2.10% |
| Q3 2025 | $2.72B | $2.14B | $1.36B | $455.3M | $3.3M | 0.16% | 2.01% | 0.24% |
| Q2 2025 | $2.72B | $2.12B | $1.30B | $453.2M | $1.4M | 0.10% | 1.92% | 0.19% |
| Q1 2025 | $2.75B | $2.13B | $1.26B | $452.0M | $423K | 0.06% | 1.86% | 0.18% |
| Q4 2024 | $2.73B | $2.16B | $1.26B | $451.1M | $782K | 0.03% | 1.51% | 0.19% |
| Q3 2024 | $2.94B | $2.14B | $1.25B | $449.8M | $855K | 0.04% | 1.50% | 0.25% |
Loan mix (Q2 2026): real estate $1.37B · commercial $39.6M · consumer $4.0M · securities $1.12B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 12.2% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 59.0% | 96th |
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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