| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.5% | -3.7 pts |
| Deposit growth (YoY) | +1.6% | +5.1% | -3.5 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.2 pts |
| ROA | 0.92% | 1.26% | -0.3 pts |
| ROE | 8.3% | 12.2% | -3.9 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.13B | $984.4M | $629.1M | $125.1M | $5.1M | 0.92% | 4.14% | 0.80% |
| Q1 2026 | $1.11B | $963.7M | $618.7M | $123.5M | $2.5M | 0.90% | 4.08% | 0.84% |
| Q4 2025 | $1.11B | $957.1M | $614.8M | $122.4M | $9.5M | 0.86% | 4.15% | 0.67% |
| Q3 2025 | $1.12B | $971.4M | $613.9M | $126.6M | $8.5M | 1.03% | 4.14% | 0.57% |
| Q2 2025 | $1.11B | $968.8M | $612.2M | $122.4M | $5.9M | 1.07% | 4.14% | 0.60% |
| Q1 2025 | $1.11B | $969.3M | $621.1M | $117.8M | $3.1M | 1.14% | 4.01% | 0.61% |
| Q4 2024 | $1.08B | $939.5M | $622.4M | $111.8M | $13.0M | 1.22% | 4.06% | 0.58% |
| Q3 2024 | $1.09B | $948.8M | $635.8M | $118.3M | $9.9M | 1.25% | 4.02% | 0.89% |
Loan mix (Q2 2026): real estate $517.2M · commercial $73.6M · consumer $14.7M · securities $346.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.26% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 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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