| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +4.9% | -4.9 pts |
| Deposit growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| Loan growth (YoY) | -2.0% | +5.3% | -7.3 pts |
| ROA | 1.82% | 1.28% | +0.5 pts |
| ROE | 15.7% | 12.4% | +3.3 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $982.7M | $863.0M | $735.2M | $113.6M | $8.9M | 1.82% | 3.52% | 0.59% |
| Q1 2026 | $986.6M | $865.6M | $737.7M | $114.8M | $4.2M | 1.71% | 3.49% | 0.58% |
| Q4 2025 | $965.0M | $847.1M | $730.0M | $111.8M | $12.6M | 1.28% | 3.06% | 0.60% |
| Q3 2025 | $981.5M | $867.8M | $745.3M | $106.8M | $8.2M | 1.12% | 2.95% | 0.63% |
| Q2 2025 | $982.8M | $873.4M | $750.0M | $101.9M | $4.7M | 0.96% | 2.88% | 0.63% |
| Q1 2025 | $993.8M | $879.7M | $772.7M | $101.5M | $1.7M | 0.71% | 2.83% | 0.71% |
| Q4 2024 | $974.0M | $863.3M | $788.8M | $98.9M | $8.2M | 0.83% | 2.42% | 0.82% |
| Q3 2024 | $1.04B | $911.8M | $812.0M | $99.8M | $6.1M | 0.82% | 2.32% | 0.79% |
Loan mix (Q2 2026): real estate $714.8M · commercial $32.5M · consumer $166K · securities $131.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.28% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 61.2% | 32th |
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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