| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +4.9% | -8.6 pts |
| Deposit growth (YoY) | -3.5% | +4.3% | -7.8 pts |
| Loan growth (YoY) | -3.9% | +5.3% | -9.3 pts |
| ROA | 1.88% | 1.28% | +0.6 pts |
| ROE | 20.2% | 12.4% | +7.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $976.2M | $805.9M | $827.0M | $96.6M | $9.5M | 1.88% | 5.31% | 0.89% |
| Q1 2026 | $1.04B | $912.0M | $858.7M | $93.7M | $4.4M | 1.73% | 5.28% | 1.28% |
| Q4 2025 | $1.01B | $817.7M | $858.1M | $91.0M | $17.6M | 1.76% | 5.00% | 1.69% |
| Q3 2025 | $1.04B | $850.9M | $879.3M | $89.1M | $14.0M | 1.87% | 4.95% | 1.48% |
| Q2 2025 | $1.01B | $835.2M | $860.8M | $86.0M | $9.1M | 1.85% | 4.91% | 1.96% |
| Q1 2025 | $989.8M | $841.8M | $834.8M | $84.5M | $4.5M | 1.85% | 4.94% | 1.18% |
| Q4 2024 | $953.2M | $789.2M | $823.0M | $81.4M | $17.9M | 1.97% | 5.11% | 0.89% |
| Q3 2024 | $913.5M | $780.5M | $775.3M | $79.1M | $14.0M | 2.07% | 5.16% | 0.79% |
Loan mix (Q2 2026): real estate $748.9M · commercial $78.6M · consumer $8.1M · securities $30.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.28% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 20.2% | 12.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 61.2% | 17th |
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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