| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.8 pts |
| ROA | 0.76% | 1.28% | -0.5 pts |
| ROE | 6.2% | 12.4% | -6.3 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $679.4M | $571.2M | $495.7M | $83.2M | $2.5M | 0.76% | 2.98% | 0.24% |
| Q1 2026 | $664.7M | $560.6M | $488.3M | $82.2M | $1.2M | 0.70% | 2.94% | 0.13% |
| Q4 2025 | $663.6M | $557.1M | $482.0M | $81.3M | $5.0M | 0.76% | 2.75% | 0.15% |
| Q3 2025 | $660.2M | $543.0M | $481.0M | $83.4M | $3.9M | 0.78% | 2.72% | 0.18% |
| Q2 2025 | $669.4M | $548.2M | $478.8M | $80.6M | $2.5M | 0.76% | 2.71% | 0.19% |
| Q1 2025 | $660.1M | $537.6M | $478.5M | $78.2M | $1.0M | 0.63% | 2.66% | 0.14% |
| Q4 2024 | $659.0M | $531.5M | $472.5M | $74.6M | $7.6M | 1.16% | 2.36% | 0.26% |
| Q3 2024 | $662.0M | $526.8M | $468.6M | $77.6M | $6.6M | 1.34% | 2.31% | 0.25% |
Loan mix (Q2 2026): real estate $495.1M · commercial $1.6M · consumer $2.7M · securities $123.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 61.2% | 50th |
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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