| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.9% | +3.3 pts |
| Deposit growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +6.9% | +5.3% | +1.6 pts |
| ROA | 1.24% | 1.28% | -0.0 pts |
| ROE | 9.6% | 12.4% | -2.9 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $898.8M | $679.6M | $739.4M | $118.6M | $5.5M | 1.24% | 4.33% | 0.03% |
| Q1 2026 | $878.9M | $681.2M | $722.5M | $115.7M | $2.5M | 1.13% | 4.33% | 0.03% |
| Q4 2025 | $862.2M | $701.1M | $723.0M | $107.8M | $10.6M | 1.25% | 4.11% | 0.03% |
| Q3 2025 | $850.6M | $662.4M | $712.8M | $105.0M | $8.2M | 1.30% | 4.10% | 0.00% |
| Q2 2025 | $830.6M | $657.2M | $691.5M | $102.3M | $5.3M | 1.28% | 4.01% | 0.03% |
| Q1 2025 | $828.4M | $667.1M | $695.1M | $99.4M | $2.5M | 1.19% | 3.98% | 0.03% |
| Q4 2024 | $837.5M | $652.7M | $704.3M | $96.6M | $6.9M | 0.89% | 3.75% | 0.03% |
| Q3 2024 | $804.3M | $627.0M | $672.2M | $95.2M | $5.1M | 0.89% | 3.74% | 0.05% |
Loan mix (Q2 2026): real estate $695.4M · commercial $41.6M · consumer $8.8M · securities $82.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 61.2% | 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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