| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.6 pts |
| Deposit growth (YoY) | +7.8% | +5.1% | +2.8 pts |
| Loan growth (YoY) | +3.0% | +5.9% | -2.9 pts |
| ROA | 0.84% | 1.26% | -0.4 pts |
| ROE | 9.0% | 12.2% | -3.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.40B | $1.06B | $149.4M | $6.7M | 0.84% | 3.94% | 0.70% |
| Q1 2026 | $1.60B | $1.40B | $1.07B | $149.5M | $5.1M | 1.27% | 3.87% | 0.70% |
| Q4 2025 | $1.58B | $1.34B | $1.06B | $144.3M | $16.0M | 1.12% | 3.72% | 0.62% |
| Q3 2025 | $1.57B | $1.31B | $1.04B | $138.0M | $10.8M | 1.03% | 3.66% | 0.31% |
| Q2 2025 | $1.53B | $1.29B | $1.02B | $125.9M | $5.5M | 0.82% | 3.56% | 0.30% |
| Q1 2025 | $1.26B | $1.03B | $820.5M | $100.3M | $3.4M | 1.09% | 3.36% | 0.33% |
| Q4 2024 | $1.24B | $922.3M | $789.8M | $93.9M | $12.1M | 1.02% | 3.18% | 0.24% |
| Q3 2024 | $1.22B | $884.3M | $748.3M | $100.6M | $10.8M | 1.23% | 3.13% | 0.25% |
Loan mix (Q2 2026): real estate $866.7M · commercial $92.7M · consumer $27.6M · securities $326.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.26% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 59.0% | 29th |
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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