| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +5.5% | -8.5 pts |
| Deposit growth (YoY) | +2.4% | +5.1% | -2.6 pts |
| Loan growth (YoY) | -1.3% | +5.9% | -7.2 pts |
| ROA | 0.64% | 1.26% | -0.6 pts |
| ROE | 6.5% | 12.2% | -5.7 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $916.8M | $1.03B | $122.8M | $3.9M | 0.64% | 3.18% | 0.04% |
| Q1 2026 | $1.22B | $901.4M | $1.03B | $120.2M | $1.5M | 0.50% | 3.14% | 0.08% |
| Q4 2025 | $1.23B | $884.3M | $1.04B | $118.5M | $7.4M | 0.60% | 3.03% | 0.08% |
| Q3 2025 | $1.23B | $889.7M | $1.04B | $116.8M | $5.8M | 0.62% | 3.02% | 0.15% |
| Q2 2025 | $1.25B | $895.2M | $1.05B | $125.2M | $3.9M | 0.62% | 3.02% | 0.11% |
| Q1 2025 | $1.26B | $910.2M | $1.06B | $123.3M | $2.1M | 0.65% | 3.06% | 0.11% |
| Q4 2024 | $1.25B | $878.3M | $1.05B | $121.1M | $7.1M | 0.55% | 2.82% | 0.20% |
| Q3 2024 | $1.26B | $877.1M | $1.05B | $119.9M | $6.0M | 0.62% | 2.79% | 0.16% |
Loan mix (Q2 2026): real estate $1.04B · commercial $0 · consumer $58K · securities $91.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 59.0% | 86th |
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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