| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +3.3% | +5.9% | -2.6 pts |
| ROA | 0.47% | 1.26% | -0.8 pts |
| ROE | 5.3% | 12.2% | -6.9 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.41B | $1.16B | $1.17B | $125.7M | $3.3M | 0.47% | 3.35% | 0.54% |
| Q1 2026 | $1.39B | $1.14B | $1.14B | $124.6M | $1.8M | 0.53% | 3.33% | 0.59% |
| Q4 2025 | $1.38B | $1.14B | $1.14B | $123.2M | $3.7M | 0.27% | 3.07% | 0.41% |
| Q3 2025 | $1.35B | $1.10B | $1.13B | $121.7M | $2.9M | 0.29% | 3.01% | 0.56% |
| Q2 2025 | $1.35B | $1.10B | $1.13B | $119.3M | $1.8M | 0.26% | 2.95% | 0.57% |
| Q1 2025 | $1.35B | $1.11B | $1.14B | $118.1M | $993K | 0.29% | 2.93% | 0.56% |
| Q4 2024 | $1.35B | $1.12B | $1.14B | $115.3M | $3.1M | 0.23% | 2.76% | 0.54% |
| Q3 2024 | $1.38B | $1.05B | $1.16B | $117.7M | $2.2M | 0.21% | 2.71% | 0.50% |
Loan mix (Q2 2026): real estate $839.7M · commercial $106.2M · consumer $234.5M · securities $134.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 59.0% | 90th |
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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