| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.9% | -4.4 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.1 pts |
| ROA | 2.09% | 1.28% | +0.8 pts |
| ROE | 21.9% | 12.4% | +9.5 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $540.5M | $480.0M | $348.6M | $55.1M | $5.8M | 2.09% | 4.25% | 0.29% |
| Q1 2026 | $573.8M | $516.9M | $336.9M | $51.9M | $2.7M | 1.93% | 4.04% | 0.26% |
| Q4 2025 | $541.2M | $485.0M | $331.8M | $50.9M | $10.5M | 2.01% | 4.35% | 0.27% |
| Q3 2025 | $525.0M | $468.3M | $326.4M | $50.0M | $8.0M | 2.04% | 4.36% | 0.19% |
| Q2 2025 | $538.0M | $486.6M | $344.4M | $45.0M | $4.9M | 1.90% | 4.28% | 0.16% |
| Q1 2025 | $517.4M | $468.9M | $335.8M | $42.5M | $2.4M | 1.85% | 4.22% | 0.02% |
| Q4 2024 | $503.8M | $458.9M | $333.7M | $39.3M | $8.4M | 1.68% | 4.26% | 0.02% |
| Q3 2024 | $497.0M | $442.0M | $338.1M | $43.2M | $6.1M | 1.63% | 4.25% | 0.07% |
Loan mix (Q2 2026): real estate $278.6M · commercial $69.2M · consumer $3.6M · securities $134.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 61.2% | 22th |
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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