| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.4 pts |
| Deposit growth (YoY) | +3.3% | +5.1% | -1.8 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 3.2% | 12.2% | -9.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.21B | $1.40B | $1.95B | $772.3M | $12.1M | 1.10% | 3.77% | 1.25% |
| Q1 2026 | $2.23B | $1.42B | $1.94B | $766.2M | $6.0M | 1.08% | 3.72% | 1.38% |
| Q4 2025 | $2.20B | $1.40B | $1.94B | $760.6M | $18.3M | 0.84% | 3.56% | 1.42% |
| Q3 2025 | $2.15B | $1.35B | $1.94B | $756.6M | $14.8M | 0.91% | 3.54% | 1.56% |
| Q2 2025 | $2.15B | $1.36B | $1.94B | $750.3M | $9.0M | 0.82% | 3.46% | 1.44% |
| Q1 2025 | $2.19B | $1.40B | $1.95B | $745.6M | $4.4M | 0.79% | 3.32% | 1.54% |
| Q4 2024 | $2.21B | $1.43B | $1.96B | $740.5M | $14.9M | 0.68% | 3.25% | 1.80% |
| Q3 2024 | $2.20B | $1.42B | $1.99B | $737.0M | $11.9M | 0.73% | 3.24% | 1.90% |
Loan mix (Q2 2026): real estate $1.96B · commercial $0 · consumer $29K · securities $48.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 59.0% | 51th |
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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