| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +5.5% | -6.2 pts |
| Deposit growth (YoY) | -2.4% | +5.1% | -7.4 pts |
| Loan growth (YoY) | -0.6% | +5.9% | -6.6 pts |
| ROA | 0.67% | 1.26% | -0.6 pts |
| ROE | 3.9% | 12.2% | -8.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.86B | $2.21B | $2.69B | $498.5M | $9.6M | 0.67% | 3.22% | 4.16% |
| Q1 2026 | $2.86B | $2.27B | $2.70B | $492.7M | $3.7M | 0.52% | 3.03% | 4.12% |
| Q4 2025 | $2.90B | $2.21B | $2.72B | $489.0M | $15.0M | 0.52% | 2.99% | 4.09% |
| Q3 2025 | $2.94B | $2.20B | $2.76B | $484.4M | $10.4M | 0.48% | 2.98% | 4.05% |
| Q2 2025 | $2.88B | $2.26B | $2.71B | $481.1M | $7.1M | 0.50% | 2.93% | 4.18% |
| Q1 2025 | $2.78B | $2.09B | $2.63B | $477.5M | $3.5M | 0.49% | 2.93% | 3.90% |
| Q4 2024 | $2.88B | $2.25B | $2.69B | $474.0M | $20.6M | 0.71% | 3.14% | 1.64% |
| Q3 2024 | $2.91B | $2.20B | $2.72B | $469.7M | $16.2M | 0.74% | 3.21% | 1.58% |
Loan mix (Q2 2026): real estate $1.53B · commercial $1.17B · consumer $464K · securities $7.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 59.0% | 81th |
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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