| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.9% | +5.2 pts |
| Deposit growth (YoY) | +10.6% | +4.3% | +6.3 pts |
| Loan growth (YoY) | -1.8% | +5.3% | -7.1 pts |
| ROA | 0.49% | 1.28% | -0.8 pts |
| ROE | 4.5% | 12.4% | -8.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $564.9M | $489.3M | $383.9M | $62.3M | $1.4M | 0.49% | 4.27% | 2.25% |
| Q1 2026 | $557.6M | $486.0M | $388.7M | $60.0M | $-1.3M | -0.95% | 4.49% | 1.88% |
| Q4 2025 | $542.3M | $467.2M | $398.7M | $61.8M | $6.7M | 1.28% | 4.80% | 1.95% |
| Q3 2025 | $533.9M | $459.0M | $402.8M | $60.8M | $5.1M | 1.32% | 4.83% | 1.46% |
| Q2 2025 | $513.0M | $442.4M | $390.9M | $58.6M | $3.3M | 1.30% | 4.72% | 1.46% |
| Q1 2025 | $506.5M | $437.5M | $388.2M | $57.2M | $1.6M | 1.29% | 4.55% | 1.51% |
| Q4 2024 | $492.8M | $424.2M | $378.6M | $55.1M | $6.4M | 1.30% | 4.77% | 0.73% |
| Q3 2024 | $496.7M | $418.4M | $381.8M | $55.3M | $5.3M | 1.41% | 4.73% | 0.71% |
Loan mix (Q2 2026): real estate $320.1M · commercial $32.7M · consumer $13.5M · securities $78.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.28% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 61.2% | 35th |
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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