| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.9% | -3.1 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +6.1% | +5.3% | +0.7 pts |
| ROA | 0.67% | 1.28% | -0.6 pts |
| ROE | 9.3% | 12.4% | -3.1 pts |
ROA ranks in the 15th percentile of its peer group · Q4 2025
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $657.3M | $580.8M | $468.8M | $51.8M | $4.3M | 0.67% | 2.94% | 0.01% |
| Q3 2025 | $635.1M | $573.9M | $448.9M | $48.5M | $3.0M | 0.63% | 2.91% | 0.00% |
| Q2 2025 | $630.1M | $569.6M | $442.0M | $44.6M | $1.9M | 0.61% | 2.90% | 0.00% |
| Q1 2025 | $642.6M | $595.3M | $439.9M | $43.7M | $936K | 0.58% | 2.87% | 0.00% |
| Q4 2024 | $645.9M | $569.0M | $441.9M | $42.4M | $3.2M | 0.50% | 2.65% | 0.00% |
| Q3 2024 | $652.3M | $566.7M | $442.2M | $45.5M | $2.4M | 0.48% | 2.63% | 0.02% |
Loan mix (Q4 2025): real estate $434.8M · commercial $29.0M · consumer $709K · securities $138.5M
Nothing unusual in Q4 2025 — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.89% | 9th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 61.2% | 77th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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