| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.8 pts |
| ROA | 0.82% | 1.24% | -0.4 pts |
| ROE | 10.8% | 11.9% | -1.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $439.7M | $385.7M | $352.0M | $33.9M | $1.8M | 0.82% | 3.67% | 0.23% |
| Q1 2026 | $435.0M | $382.0M | $341.0M | $33.0M | $833K | 0.78% | 3.62% | 0.22% |
| Q4 2025 | $421.7M | $369.6M | $331.3M | $32.4M | $3.4M | 0.83% | 3.47% | 0.25% |
| Q3 2025 | $420.3M | $364.6M | $326.6M | $31.3M | $2.6M | 0.84% | 3.45% | 0.25% |
| Q2 2025 | $414.9M | $356.4M | $321.9M | $29.7M | $1.7M | 0.83% | 3.36% | 0.25% |
| Q1 2025 | $393.8M | $344.0M | $299.4M | $28.5M | $767K | 0.79% | 3.29% | 0.31% |
| Q4 2024 | $387.0M | $323.0M | $290.0M | $27.1M | $2.2M | 0.62% | 3.19% | 0.31% |
| Q3 2024 | $363.2M | $309.4M | $277.5M | $27.5M | $1.7M | 0.64% | 3.18% | 0.35% |
Loan mix (Q2 2026): real estate $317.9M · commercial $15.8M · consumer $14.6M · securities $50.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 62.9% | 71th |
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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