| Metric | R Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.5% | -2.2 pts |
| Deposit growth (YoY) | +3.9% | +5.1% | -1.2 pts |
| Loan growth (YoY) | -3.6% | +5.9% | -9.5 pts |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 7.9% | 12.2% | -4.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $926.1M | $762.1M | $93.0M | $3.8M | 0.72% | 4.02% | 1.21% |
| Q1 2026 | $1.05B | $933.6M | $753.5M | $98.4M | $1.7M | 0.63% | 3.97% | 1.18% |
| Q4 2025 | $1.06B | $951.0M | $775.9M | $96.7M | $6.8M | 0.67% | 3.68% | 1.62% |
| Q3 2025 | $1.04B | $929.4M | $759.8M | $95.4M | $5.1M | 0.68% | 3.65% | 1.64% |
| Q2 2025 | $999.4M | $891.8M | $790.6M | $93.0M | $3.6M | 0.72% | 3.62% | 1.79% |
| Q1 2025 | $1.01B | $898.9M | $788.7M | $91.3M | $1.3M | 0.53% | 3.59% | 1.66% |
| Q4 2024 | $958.5M | $852.4M | $800.8M | $89.0M | $-606K | -0.06% | 3.44% | 1.74% |
| Q3 2024 | $1.01B | $888.8M | $813.4M | $91.9M | $-102K | -0.01% | 3.38% | 1.55% |
Loan mix (Q2 2026): real estate $614.1M · commercial $145.4M · consumer $1.2M · securities $57.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | R Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 59.0% | 88th |
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 | R Bank | 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 | R Bank | 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 | R Bank | 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 | R Bank | 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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