| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | +4.6% | +5.1% | -0.5 pts |
| Loan growth (YoY) | +1.9% | +5.9% | -4.0 pts |
| ROA | 0.76% | 1.26% | -0.5 pts |
| ROE | 7.1% | 12.2% | -5.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.84B | $1.61B | $1.32B | $210.4M | $6.9M | 0.76% | 3.10% | 1.18% |
| Q1 2026 | $1.83B | $1.61B | $1.34B | $209.7M | $3.2M | 0.71% | 3.00% | 0.56% |
| Q4 2025 | $1.76B | $1.54B | $1.33B | $168.1M | $11.8M | 0.68% | 2.95% | 0.54% |
| Q3 2025 | $1.76B | $1.52B | $1.30B | $164.4M | $9.1M | 0.70% | 2.92% | 0.39% |
| Q2 2025 | $1.72B | $1.54B | $1.29B | $158.8M | $5.9M | 0.68% | 2.87% | 0.35% |
| Q1 2025 | $1.73B | $1.55B | $1.28B | $156.4M | $2.6M | 0.61% | 2.83% | 0.38% |
| Q4 2024 | $1.70B | $1.52B | $1.27B | $151.5M | $10.0M | 0.61% | 2.80% | 0.48% |
| Q3 2024 | $1.66B | $1.44B | $1.25B | $149.4M | $6.8M | 0.56% | 2.82% | 0.42% |
Loan mix (Q2 2026): real estate $1.10B · commercial $185.0M · consumer $46.1M · securities $344.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 59.0% | 81th |
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% |
The full ratio pack is part of CharterBench Pro.