| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.9% | -0.5 pts |
| Deposit growth (YoY) | +5.0% | +4.3% | +0.7 pts |
| Loan growth (YoY) | +7.1% | +5.3% | +1.7 pts |
| ROA | 1.07% | 1.28% | -0.2 pts |
| ROE | 11.5% | 12.4% | -0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $990.4M | $891.1M | $690.3M | $94.4M | $5.3M | 1.07% | 3.79% | 0.09% |
| Q1 2026 | $998.1M | $901.3M | $674.7M | $93.0M | $2.5M | 0.99% | 3.73% | 0.09% |
| Q4 2025 | $997.8M | $904.5M | $686.0M | $90.6M | $8.3M | 0.85% | 3.37% | 0.09% |
| Q3 2025 | $979.1M | $877.4M | $670.9M | $90.5M | $5.8M | 0.80% | 3.24% | 0.05% |
| Q2 2025 | $948.8M | $848.8M | $644.6M | $82.5M | $3.3M | 0.70% | 3.13% | 0.05% |
| Q1 2025 | $951.4M | $867.2M | $585.0M | $81.1M | $1.8M | 0.75% | 2.98% | 0.05% |
| Q4 2024 | $958.6M | $880.8M | $579.9M | $75.8M | $5.4M | 0.57% | 2.62% | 0.02% |
| Q3 2024 | $952.6M | $865.4M | $561.0M | $83.6M | $3.6M | 0.51% | 2.54% | 0.05% |
Loan mix (Q2 2026): real estate $632.7M · commercial $55.5M · consumer $10.2M · securities $230.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.28% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 61.2% | 44th |
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% |
The full ratio pack is part of CharterBench Pro.