| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | +3.7% | +5.1% | -1.4 pts |
| Loan growth (YoY) | -0.3% | +5.9% | -6.2 pts |
| ROA | 1.74% | 1.26% | +0.5 pts |
| ROE | 19.2% | 12.2% | +7.0 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.35B | $1.23B | $1.09B | $109.8M | $11.7M | 1.74% | 4.83% | 1.75% |
| Q1 2026 | $1.36B | $1.21B | $1.10B | $119.6M | $5.8M | 1.73% | 4.94% | 1.76% |
| Q4 2025 | $1.31B | $1.17B | $1.10B | $135.2M | $32.6M | 2.41% | 5.18% | 0.83% |
| Q3 2025 | $1.33B | $1.18B | $1.09B | $135.0M | $25.4M | 2.50% | 5.19% | 0.97% |
| Q2 2025 | $1.33B | $1.19B | $1.09B | $134.6M | $17.5M | 2.55% | 5.17% | 0.97% |
| Q1 2025 | $1.39B | $1.26B | $1.12B | $125.0M | $8.6M | 2.49% | 5.08% | 0.85% |
| Q4 2024 | $1.38B | $1.23B | $1.09B | $122.8M | $36.5M | 2.75% | 5.27% | 0.90% |
| Q3 2024 | $1.32B | $1.18B | $1.08B | $123.7M | $27.4M | 2.79% | 5.28% | 0.75% |
Loan mix (Q2 2026): real estate $809.3M · commercial $222.8M · consumer $16.7M · securities $111.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 59.0% | 68th |
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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