| Metric | Legacy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +3.0% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +12.5% | +5.3% | +7.2 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 12.5% | 12.4% | +0.0 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $865.0M | $721.8M | $672.9M | $86.0M | $5.2M | 1.22% | 4.36% | 0.04% |
| Q1 2026 | $860.8M | $731.3M | $668.5M | $82.7M | $2.5M | 1.20% | 4.35% | 0.04% |
| Q4 2025 | $825.9M | $703.7M | $633.2M | $81.3M | $10.1M | 1.25% | 4.13% | 0.01% |
| Q3 2025 | $832.1M | $711.6M | $608.7M | $78.2M | $7.4M | 1.23% | 4.09% | 0.02% |
| Q2 2025 | $817.7M | $700.7M | $597.9M | $75.3M | $4.8M | 1.21% | 4.07% | 0.01% |
| Q1 2025 | $804.2M | $681.0M | $605.5M | $72.2M | $2.5M | 1.26% | 4.07% | 0.18% |
| Q4 2024 | $753.7M | $617.4M | $595.1M | $69.4M | $8.8M | 1.19% | 3.94% | 0.12% |
| Q3 2024 | $758.7M | $623.0M | $573.4M | $68.7M | $6.2M | 1.14% | 3.87% | 0.12% |
Loan mix (Q2 2026): real estate $595.8M · commercial $54.1M · consumer $2.0M · securities $109.7M
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 61.2% | 45th |
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 | Legacy Bank | 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 | Legacy Bank | 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 | Legacy Bank | 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 | Legacy Bank | 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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