| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.9% | -2.9 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| Loan growth (YoY) | +4.7% | +5.3% | -0.6 pts |
| ROA | 1.52% | 1.28% | +0.2 pts |
| ROE | 14.3% | 12.4% | +1.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $776.0M | $686.6M | $511.3M | $81.9M | $5.9M | 1.52% | 4.10% | 0.05% |
| Q1 2026 | $778.1M | $687.5M | $492.7M | $83.4M | $2.8M | 1.47% | 3.99% | 0.05% |
| Q4 2025 | $768.0M | $677.4M | $491.5M | $82.0M | $9.1M | 1.21% | 3.82% | 0.03% |
| Q3 2025 | $759.8M | $673.5M | $497.0M | $79.4M | $6.3M | 1.13% | 3.73% | 0.07% |
| Q2 2025 | $760.9M | $678.9M | $488.3M | $75.3M | $3.9M | 1.04% | 3.62% | 0.05% |
| Q1 2025 | $746.8M | $665.0M | $479.0M | $75.8M | $1.7M | 0.89% | 3.50% | 0.05% |
| Q4 2024 | $738.3M | $647.5M | $479.7M | $71.9M | $7.6M | 1.04% | 3.51% | 0.05% |
| Q3 2024 | $728.1M | $635.4M | $481.8M | $74.7M | $5.9M | 1.08% | 3.48% | 0.07% |
Loan mix (Q2 2026): real estate $486.5M · commercial $29.6M · consumer $1.4M · securities $169.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.28% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 61.2% | 69th |
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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