| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.9% | -2.8 pts |
| Deposit growth (YoY) | +1.5% | +4.3% | -2.9 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.5 pts |
| ROA | 0.87% | 1.28% | -0.4 pts |
| ROE | 5.3% | 12.4% | -7.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $627.0M | $522.6M | $265.6M | $103.4M | $2.7M | 0.87% | 2.28% | 0.88% |
| Q1 2026 | $622.5M | $519.8M | $264.6M | $102.0M | $1.3M | 0.84% | 2.28% | 0.51% |
| Q4 2025 | $618.6M | $517.2M | $264.8M | $100.7M | $5.3M | 0.87% | 2.07% | 0.76% |
| Q3 2025 | $613.9M | $513.5M | $258.2M | $99.1M | $3.7M | 0.82% | 2.00% | 0.62% |
| Q2 2025 | $613.9M | $515.1M | $250.9M | $97.8M | $2.4M | 0.78% | 1.93% | 0.73% |
| Q1 2025 | $607.3M | $509.7M | $250.5M | $96.6M | $1.2M | 0.81% | 1.87% | 0.52% |
| Q4 2024 | $601.3M | $502.0M | $249.4M | $95.4M | $4.4M | 0.74% | 1.87% | 0.59% |
| Q3 2024 | $583.9M | $485.0M | $244.8M | $94.5M | $3.4M | 0.78% | 1.91% | 0.68% |
Loan mix (Q2 2026): real estate $264.5M · commercial $0 · consumer $3.8M · securities $320.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.7% | 61.2% | 3th |
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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