| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +5.5% | -5.3 pts |
| Deposit growth (YoY) | -4.4% | +5.1% | -9.5 pts |
| Loan growth (YoY) | +1.0% | +5.9% | -4.9 pts |
| ROA | 1.12% | 1.26% | -0.1 pts |
| ROE | 13.8% | 12.2% | +1.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.83B | $3.02B | $2.11B | $318.8M | $21.4M | 1.12% | 2.59% | 0.07% |
| Q1 2026 | $3.79B | $3.11B | $2.05B | $309.3M | $10.5M | 1.11% | 2.57% | 0.12% |
| Q4 2025 | $3.79B | $3.18B | $2.09B | $302.9M | $30.4M | 0.80% | 2.35% | 0.10% |
| Q3 2025 | $3.81B | $3.29B | $2.11B | $295.4M | $20.8M | 0.73% | 2.28% | 0.14% |
| Q2 2025 | $3.82B | $3.16B | $2.09B | $286.0M | $13.1M | 0.69% | 2.22% | 0.09% |
| Q1 2025 | $3.80B | $3.25B | $2.07B | $285.3M | $6.2M | 0.66% | 2.16% | 0.09% |
| Q4 2024 | $3.74B | $3.15B | $2.05B | $283.0M | $21.0M | 0.56% | 1.84% | 0.10% |
| Q3 2024 | $3.73B | $2.99B | $2.01B | $278.3M | $15.7M | 0.56% | 1.77% | 0.10% |
Loan mix (Q2 2026): real estate $1.81B · commercial $149.5M · consumer $5.0M · securities $1.43B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.26% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 59.0% | 66th |
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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