| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +4.9% | -9.1 pts |
| Deposit growth (YoY) | -10.2% | +4.3% | -14.6 pts |
| Loan growth (YoY) | +5.3% | +5.3% | +0.0 pts |
| ROA | 1.34% | 1.28% | +0.1 pts |
| ROE | 9.2% | 12.4% | -3.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $776.7M | $618.2M | $593.0M | $115.6M | $5.2M | 1.34% | 4.90% | 0.70% |
| Q1 2026 | $779.3M | $652.7M | $580.5M | $113.2M | $2.8M | 1.45% | 4.82% | 0.93% |
| Q4 2025 | $788.7M | $662.0M | $576.2M | $112.7M | $9.1M | 1.14% | 4.39% | 0.49% |
| Q3 2025 | $810.4M | $685.0M | $569.1M | $111.2M | $6.5M | 1.07% | 4.28% | 0.51% |
| Q2 2025 | $811.1M | $688.7M | $562.9M | $108.1M | $4.3M | 1.06% | 4.24% | 0.42% |
| Q1 2025 | $812.3M | $693.7M | $559.1M | $105.2M | $2.1M | 1.03% | 4.13% | 0.56% |
| Q4 2024 | $798.7M | $683.6M | $552.9M | $102.1M | $8.5M | 1.09% | 4.10% | 0.12% |
| Q3 2024 | $787.2M | $672.9M | $559.5M | $101.1M | $5.7M | 0.97% | 4.04% | 0.28% |
Loan mix (Q2 2026): real estate $504.4M · commercial $89.3M · consumer $2.8M · securities $95.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.28% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 61.2% | 52th |
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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