| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 0.56% | 1.24% | -0.7 pts |
| ROE | 6.1% | 11.9% | -5.8 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $448.7M | $383.2M | $291.1M | $40.8M | $1.2M | 0.56% | 2.96% | 0.19% |
| Q1 2026 | $439.9M | $374.4M | $292.0M | $40.3M | $536K | 0.49% | 2.91% | 0.15% |
| Q4 2025 | $442.1M | $370.6M | $293.4M | $40.1M | $2.0M | 0.47% | 2.82% | 0.10% |
| Q3 2025 | $438.1M | $368.2M | $294.7M | $38.9M | $1.4M | 0.42% | 2.78% | 0.10% |
| Q2 2025 | $432.7M | $372.9M | $285.0M | $37.7M | $849K | 0.40% | 2.71% | 0.18% |
| Q1 2025 | $428.8M | $374.5M | $282.5M | $36.6M | $341K | 0.32% | 2.62% | 0.26% |
| Q4 2024 | $418.9M | $366.4M | $276.7M | $34.9M | $1.2M | 0.29% | 2.45% | 0.27% |
| Q3 2024 | $414.9M | $358.7M | $277.1M | $36.3M | $713K | 0.23% | 2.41% | 0.42% |
Loan mix (Q2 2026): real estate $260.8M · commercial $27.5M · consumer $4.6M · securities $114.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 62.9% | 83th |
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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