| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | -6.9% | +5.6% | -12.5 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.2M | $323.6M | $140.6M | $60.2M | $2.2M | 1.16% | 3.57% | 0.61% |
| Q1 2026 | $383.4M | $323.6M | $145.1M | $59.2M | $1.0M | 1.05% | 3.63% | 0.63% |
| Q4 2025 | $383.1M | $323.8M | $146.8M | $58.8M | $5.0M | 1.34% | 3.72% | 0.63% |
| Q3 2025 | $368.3M | $310.3M | $149.0M | $57.7M | $3.9M | 1.41% | 3.71% | 0.52% |
| Q2 2025 | $365.6M | $309.4M | $151.0M | $55.9M | $2.6M | 1.38% | 3.72% | 0.22% |
| Q1 2025 | $380.7M | $325.4M | $152.2M | $54.5M | $1.2M | 1.26% | 3.68% | 0.25% |
| Q4 2024 | $374.0M | $320.5M | $154.3M | $53.0M | $5.1M | 1.42% | 3.70% | 0.20% |
| Q3 2024 | $349.4M | $296.6M | $159.0M | $52.3M | $4.1M | 1.53% | 3.71% | 0.18% |
Loan mix (Q2 2026): real estate $110.5M · commercial $9.1M · consumer $20.2M · securities $97.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 62.9% | 35th |
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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