| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.4 pts |
| Loan growth (YoY) | -5.2% | +5.6% | -10.8 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 11.7% | 11.9% | -0.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342.4M | $297.1M | $244.4M | $43.3M | $2.5M | 1.43% | 4.40% | 0.88% |
| Q1 2026 | $358.0M | $313.9M | $244.0M | $42.1M | $1.2M | 1.39% | 4.34% | 1.17% |
| Q4 2025 | $336.6M | $288.0M | $257.2M | $41.1M | $3.2M | 0.95% | 4.59% | 1.25% |
| Q3 2025 | $337.7M | $287.5M | $262.7M | $47.9M | $4.1M | 1.59% | 4.58% | 2.28% |
| Q2 2025 | $344.1M | $295.5M | $257.9M | $46.4M | $2.7M | 1.59% | 4.56% | 0.03% |
| Q1 2025 | $341.3M | $294.0M | $265.3M | $44.9M | $1.3M | 1.59% | 4.55% | 0.03% |
| Q4 2024 | $335.0M | $283.1M | $260.9M | $43.4M | $5.6M | 1.64% | 4.59% | 0.04% |
| Q3 2024 | $331.9M | $280.0M | $253.7M | $49.2M | $4.0M | 1.57% | 4.55% | 0.02% |
Loan mix (Q2 2026): real estate $223.8M · commercial $23.4M · consumer $275K · securities $36.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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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