| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.9% | -4.3 pts |
| Deposit growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | -2.4% | +5.3% | -7.8 pts |
| ROA | 0.77% | 1.28% | -0.5 pts |
| ROE | 6.6% | 12.4% | -5.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $648.0M | $559.1M | $493.3M | $76.9M | $2.5M | 0.77% | 3.27% | 0.96% |
| Q1 2026 | $654.4M | $559.1M | $487.7M | $75.7M | $1.1M | 0.71% | 3.16% | 0.94% |
| Q4 2025 | $641.2M | $545.4M | $494.4M | $74.6M | $4.4M | 0.69% | 3.07% | 1.09% |
| Q3 2025 | $635.2M | $539.2M | $499.6M | $73.2M | $3.3M | 0.69% | 3.04% | 0.61% |
| Q2 2025 | $644.4M | $540.6M | $505.5M | $71.0M | $1.9M | 0.58% | 2.99% | 0.60% |
| Q1 2025 | $651.9M | $542.9M | $503.0M | $70.1M | $872K | 0.53% | 2.90% | 0.62% |
| Q4 2024 | $655.0M | $536.4M | $506.8M | $68.1M | $3.2M | 0.49% | 2.85% | 0.60% |
| Q3 2024 | $653.2M | $532.2M | $510.5M | $69.0M | $2.3M | 0.46% | 2.84% | 0.55% |
Loan mix (Q2 2026): real estate $469.0M · commercial $12.2M · consumer $0 · securities $62.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 61.2% | 78th |
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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