| Metric | Legacy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +12.1% | +5.3% | +6.8 pts |
| ROA | 0.22% | 1.28% | -1.1 pts |
| ROE | 2.6% | 12.4% | -9.8 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $686.5M | $624.8M | $414.0M | $57.2M | $763K | 0.22% | 4.19% | 1.97% |
| Q1 2026 | $694.0M | $631.7M | $403.6M | $58.2M | $583K | 0.34% | 4.32% | 0.81% |
| Q4 2025 | $660.7M | $596.3M | $388.7M | $59.3M | $5.4M | 0.85% | 4.55% | 0.97% |
| Q3 2025 | $644.9M | $579.7M | $385.5M | $60.3M | $2.5M | 0.52% | 4.57% | 2.76% |
| Q2 2025 | $642.4M | $579.6M | $369.2M | $58.2M | $1.7M | 0.54% | 4.58% | 2.87% |
| Q1 2025 | $632.1M | $570.3M | $367.1M | $57.9M | $1.4M | 0.88% | 4.66% | 2.61% |
| Q4 2024 | $618.5M | $558.3M | $372.3M | $56.7M | $584K | 0.10% | 4.76% | 3.52% |
| Q3 2024 | $599.8M | $538.4M | $367.6M | $57.0M | $997K | 0.22% | 4.88% | 3.08% |
Loan mix (Q2 2026): real estate $352.6M · commercial $47.9M · consumer $4.4M · securities $208.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 61.2% | 97th |
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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