| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Deposit growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | -0.7% | +5.3% | -6.0 pts |
| ROA | 1.38% | 1.28% | +0.1 pts |
| ROE | 18.6% | 12.4% | +6.2 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $868.6M | $799.8M | $506.1M | $66.4M | $6.0M | 1.38% | 3.70% | 1.45% |
| Q1 2026 | $865.3M | $799.7M | $511.6M | $63.3M | $2.7M | 1.27% | 3.59% | 1.32% |
| Q4 2025 | $861.8M | $795.3M | $529.4M | $63.3M | $8.2M | 0.98% | 3.38% | 1.41% |
| Q3 2025 | $868.7M | $803.3M | $519.5M | $62.4M | $6.4M | 1.03% | 3.33% | 1.55% |
| Q2 2025 | $828.0M | $768.7M | $509.4M | $56.4M | $4.2M | 1.03% | 3.29% | 0.98% |
| Q1 2025 | $811.6M | $756.7M | $503.5M | $52.6M | $1.8M | 0.86% | 3.20% | 1.14% |
| Q4 2024 | $813.0M | $759.5M | $508.3M | $50.3M | $8.4M | 1.02% | 3.11% | 1.17% |
| Q3 2024 | $857.2M | $753.0M | $503.8M | $53.2M | $6.2M | 1.01% | 3.08% | 1.03% |
Loan mix (Q2 2026): real estate $415.6M · commercial $47.5M · consumer $5.4M · securities $290.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 12.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 61.2% | 72th |
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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