| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Deposit growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +0.0% | +5.3% | -5.3 pts |
| ROA | 1.40% | 1.28% | +0.1 pts |
| ROE | 10.0% | 12.4% | -2.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $565.4M | $473.9M | $320.9M | $76.5M | $3.8M | 1.40% | 3.36% | 0.48% |
| Q1 2026 | $536.1M | $445.7M | $323.8M | $75.6M | $1.8M | 1.36% | 3.38% | 0.29% |
| Q4 2025 | $518.9M | $429.5M | $319.8M | $74.3M | $6.7M | 1.25% | 3.24% | 0.16% |
| Q3 2025 | $525.5M | $424.4M | $323.8M | $73.2M | $5.0M | 1.25% | 3.17% | 0.36% |
| Q2 2025 | $526.1M | $440.8M | $320.8M | $68.1M | $3.2M | 1.19% | 3.11% | 0.50% |
| Q1 2025 | $547.7M | $464.7M | $318.9M | $65.9M | $1.3M | 0.92% | 2.97% | 0.48% |
| Q4 2024 | $541.7M | $460.3M | $321.2M | $64.2M | $4.0M | 0.74% | 2.79% | 0.42% |
| Q3 2024 | $537.2M | $451.2M | $319.4M | $68.7M | $2.9M | 0.71% | 2.74% | 0.20% |
Loan mix (Q2 2026): real estate $243.0M · commercial $33.7M · consumer $8.5M · securities $160.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.28% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 61.2% | 41th |
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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