| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.9% | +3.1 pts |
| Deposit growth (YoY) | +8.0% | +4.3% | +3.6 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.2 pts |
| ROA | 0.81% | 1.28% | -0.5 pts |
| ROE | 10.4% | 12.4% | -2.1 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $790.8M | $670.1M | $541.9M | $60.4M | $3.1M | 0.81% | 4.01% | 0.61% |
| Q1 2026 | $748.5M | $623.4M | $547.3M | $59.0M | $1.5M | 0.80% | 3.92% | 0.82% |
| Q4 2025 | $748.2M | $616.1M | $544.6M | $59.2M | $5.9M | 0.82% | 3.71% | 0.87% |
| Q3 2025 | $730.2M | $611.9M | $520.7M | $57.2M | $3.9M | 0.73% | 3.54% | 0.94% |
| Q2 2025 | $731.8M | $620.6M | $513.6M | $54.2M | $2.5M | 0.71% | 3.57% | 0.94% |
| Q1 2025 | $696.5M | $591.0M | $493.0M | $53.1M | $1.1M | 0.65% | 3.52% | 0.71% |
| Q4 2024 | $685.2M | $582.9M | $487.4M | $50.5M | $4.6M | 0.68% | 3.33% | 0.88% |
| Q3 2024 | $699.1M | $601.7M | $484.5M | $51.2M | $3.3M | 0.66% | 3.28% | 0.90% |
Loan mix (Q2 2026): real estate $315.0M · commercial $135.9M · consumer $2.4M · securities $153.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 61.2% | 76th |
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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