| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.0% | +4.4% | -18.4 pts |
| Deposit growth (YoY) | -18.0% | +4.0% | -21.9 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.18% | 1.24% | -0.1 pts |
| ROE | 8.5% | 11.9% | -3.4 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 | $362.0M | $302.6M | $208.0M | $53.6M | $2.2M | 1.18% | 5.32% | 0.55% |
| Q1 2026 | $384.5M | $325.5M | $205.4M | $52.8M | $1.2M | 1.25% | 5.13% | 0.53% |
| Q4 2025 | $393.0M | $334.8M | $196.4M | $51.9M | $5.8M | 1.42% | 5.11% | 0.57% |
| Q3 2025 | $418.4M | $364.6M | $201.0M | $47.8M | $4.7M | 1.51% | 5.10% | 0.56% |
| Q2 2025 | $421.1M | $369.0M | $194.5M | $46.2M | $3.4M | 1.67% | 5.04% | 0.56% |
| Q1 2025 | $399.6M | $349.3M | $175.5M | $44.0M | $1.4M | 1.36% | 4.77% | 0.59% |
| Q4 2024 | $404.1M | $360.5M | $175.7M | $39.5M | $5.4M | 1.61% | 4.93% | 0.84% |
| Q3 2024 | $401.4M | $359.8M | $154.5M | $38.1M | $3.4M | 1.43% | 4.77% | 0.34% |
Loan mix (Q2 2026): real estate $50.0M · commercial $51.6M · consumer $100K · securities $51.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 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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