| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.5% | -6.9 pts |
| Deposit growth (YoY) | -2.6% | +5.1% | -7.6 pts |
| Loan growth (YoY) | -6.8% | +5.9% | -12.7 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 9.5% | 12.2% | -2.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.85B | $1.54B | $1.46B | $226.6M | $10.8M | 1.17% | 3.55% | 1.34% |
| Q1 2026 | $1.83B | $1.54B | $1.50B | $221.3M | $5.5M | 1.19% | 3.50% | 0.40% |
| Q4 2025 | $1.86B | $1.55B | $1.51B | $235.9M | $32.9M | 1.76% | 3.43% | 0.18% |
| Q3 2025 | $1.84B | $1.53B | $1.52B | $230.6M | $27.6M | 1.96% | 3.36% | 0.02% |
| Q2 2025 | $1.87B | $1.58B | $1.57B | $224.5M | $21.6M | 2.28% | 3.29% | 0.10% |
| Q1 2025 | $1.92B | $1.63B | $1.62B | $219.1M | $16.2M | 3.41% | 3.23% | 0.14% |
| Q4 2024 | $1.88B | $1.60B | $1.60B | $202.9M | $16.7M | 0.96% | 2.93% | 0.24% |
| Q3 2024 | $1.76B | $1.50B | $1.53B | $196.9M | $10.8M | 0.84% | 2.79% | 0.16% |
Loan mix (Q2 2026): real estate $1.30B · commercial $172.7M · consumer $1.7M · securities $989K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 59.0% | 30th |
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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