| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | -4.5% | +4.0% | -8.5 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -4.9 pts |
| ROA | 2.04% | 1.24% | +0.8 pts |
| ROE | 19.3% | 11.9% | +7.5 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $462.7M | $399.5M | $309.9M | $51.1M | $4.8M | 2.04% | 4.29% | 0.09% |
| Q1 2026 | $475.2M | $414.0M | $305.5M | $49.3M | $2.5M | 2.13% | 4.22% | 0.04% |
| Q4 2025 | $468.3M | $407.6M | $306.8M | $48.0M | $9.2M | 1.94% | 4.27% | 0.07% |
| Q3 2025 | $475.5M | $412.5M | $311.5M | $50.6M | $7.2M | 2.02% | 4.24% | 0.07% |
| Q2 2025 | $478.1M | $418.6M | $308.0M | $47.3M | $4.6M | 1.95% | 4.18% | 0.07% |
| Q1 2025 | $474.0M | $416.9M | $309.4M | $45.0M | $2.5M | 2.10% | 4.14% | 0.07% |
| Q4 2024 | $466.5M | $412.2M | $321.5M | $41.7M | $8.0M | 1.69% | 3.98% | 0.11% |
| Q3 2024 | $473.0M | $414.4M | $322.0M | $46.6M | $6.5M | 1.83% | 3.93% | 0.11% |
Loan mix (Q2 2026): real estate $283.2M · commercial $16.6M · consumer $3.1M · securities $100.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21th |
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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