| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.6 pts |
| Loan growth (YoY) | +1.2% | +5.9% | -4.7 pts |
| ROA | 1.41% | 1.26% | +0.2 pts |
| ROE | 14.0% | 12.2% | +1.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $847.0M | $885.5M | $112.5M | $7.6M | 1.41% | 3.42% | 0.03% |
| Q1 2026 | $1.07B | $809.2M | $869.2M | $107.2M | $2.5M | 0.94% | 3.37% | 0.07% |
| Q4 2025 | $1.06B | $817.8M | $859.2M | $105.1M | $9.3M | 0.87% | 3.13% | 0.16% |
| Q3 2025 | $1.06B | $779.2M | $863.9M | $102.0M | $6.6M | 0.83% | 3.06% | 0.14% |
| Q2 2025 | $1.08B | $819.1M | $874.6M | $97.0M | $3.8M | 0.71% | 2.97% | 0.24% |
| Q1 2025 | $1.06B | $802.8M | $870.6M | $95.1M | $1.4M | 0.55% | 2.92% | 0.24% |
| Q4 2024 | $1.04B | $827.7M | $864.0M | $91.9M | $3.2M | 0.30% | 2.66% | 0.25% |
| Q3 2024 | $1.06B | $811.3M | $874.8M | $93.3M | $2.6M | 0.32% | 2.60% | 0.23% |
Loan mix (Q2 2026): real estate $851.1M · commercial $37.0M · consumer $5.0M · securities $127.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.2% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 59.0% | 88th |
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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