| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.9% | -5.4 pts |
| Deposit growth (YoY) | -1.6% | +4.3% | -5.9 pts |
| Loan growth (YoY) | +0.9% | +5.3% | -4.4 pts |
| ROA | 2.56% | 1.28% | +1.3 pts |
| ROE | 17.2% | 12.4% | +4.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $712.5M | $602.2M | $505.8M | $108.7M | $9.2M | 2.56% | 4.39% | 0.95% |
| Q1 2026 | $711.9M | $601.4M | $487.0M | $107.4M | $4.6M | 2.53% | 4.20% | 1.10% |
| Q4 2025 | $734.9M | $628.0M | $482.7M | $106.3M | $16.6M | 2.32% | 4.24% | 1.02% |
| Q3 2025 | $726.7M | $620.8M | $498.9M | $104.4M | $12.4M | 2.32% | 4.19% | 0.74% |
| Q2 2025 | $716.1M | $612.0M | $501.1M | $102.4M | $8.2M | 2.32% | 4.20% | 0.18% |
| Q1 2025 | $696.3M | $593.2M | $512.5M | $100.4M | $4.1M | 2.33% | 4.09% | 0.25% |
| Q4 2024 | $700.4M | $601.6M | $523.3M | $98.4M | $13.0M | 1.92% | 3.81% | 0.49% |
| Q3 2024 | $689.0M | $590.1M | $526.4M | $98.1M | $10.4M | 2.05% | 3.65% | 0.76% |
Loan mix (Q2 2026): real estate $415.5M · commercial $96.2M · consumer $1.6M · securities $57.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.56% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.0% | 61.2% | 3th |
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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