| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +5.5% | -8.1 pts |
| Deposit growth (YoY) | -4.9% | +5.1% | -9.9 pts |
| Loan growth (YoY) | -2.5% | +5.9% | -8.4 pts |
| ROA | 0.39% | 1.26% | -0.9 pts |
| ROE | 4.4% | 12.2% | -7.8 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.57B | $1.26B | $1.29B | $142.7M | $3.1M | 0.39% | 2.86% | 1.53% |
| Q1 2026 | $1.58B | $1.23B | $1.30B | $139.6M | $354K | 0.09% | 2.82% | 1.84% |
| Q4 2025 | $1.59B | $1.31B | $1.31B | $139.1M | $-2.4M | -0.15% | 2.75% | 1.79% |
| Q3 2025 | $1.61B | $1.32B | $1.33B | $139.2M | $-610K | -0.05% | 2.68% | 2.44% |
| Q2 2025 | $1.62B | $1.32B | $1.32B | $138.9M | $840K | 0.10% | 2.63% | 2.13% |
| Q1 2025 | $1.61B | $1.33B | $1.33B | $137.8M | $197K | 0.05% | 2.55% | 0.97% |
| Q4 2024 | $1.63B | $1.32B | $1.35B | $136.6M | $-1.6M | -0.10% | 2.62% | 1.04% |
| Q3 2024 | $1.64B | $1.32B | $1.34B | $137.7M | $-2.0M | -0.16% | 2.65% | 0.95% |
Loan mix (Q2 2026): real estate $1.17B · commercial $119.3M · consumer $14.3M · securities $182.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 59.0% | 98th |
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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