| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| Loan growth (YoY) | +3.6% | +5.3% | -1.7 pts |
| ROA | 0.83% | 1.28% | -0.5 pts |
| ROE | 9.8% | 12.4% | -2.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $536.1M | $474.7M | $431.1M | $46.1M | $2.2M | 0.83% | 4.19% | 0.10% |
| Q1 2026 | $539.4M | $488.7M | $440.7M | $45.4M | $1.1M | 0.81% | 4.11% | 0.25% |
| Q4 2025 | $542.0M | $492.0M | $441.5M | $45.3M | $4.2M | 0.82% | 3.95% | 0.21% |
| Q3 2025 | $525.3M | $475.8M | $430.2M | $44.6M | $3.0M | 0.78% | 3.96% | 0.23% |
| Q2 2025 | $517.8M | $469.5M | $416.1M | $43.8M | $1.8M | 0.72% | 3.92% | 0.02% |
| Q1 2025 | $486.9M | $438.3M | $394.6M | $43.8M | $777K | 0.63% | 3.87% | 0.25% |
| Q4 2024 | $499.3M | $439.5M | $401.6M | $44.2M | $6.6M | 1.30% | 3.94% | 0.14% |
| Q3 2024 | $512.6M | $457.8M | $414.4M | $41.2M | $3.8M | 1.01% | 3.88% | 1.16% |
Loan mix (Q2 2026): real estate $353.8M · commercial $60.0M · consumer $11.8M · securities $42.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 12.4% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 61.2% | 75th |
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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