| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.5% | +0.6 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -2.0 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 8.2% | 12.2% | -4.0 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.38B | $1.18B | $1.17B | $186.8M | $7.5M | 1.10% | 2.84% | 0.95% |
| Q1 2026 | $1.39B | $1.19B | $1.19B | $183.9M | $4.6M | 1.35% | 2.87% | 0.94% |
| Q4 2025 | $1.34B | $1.14B | $1.16B | $182.6M | $10.4M | 0.80% | 2.79% | 1.44% |
| Q3 2025 | $1.32B | $1.13B | $1.13B | $179.7M | $8.0M | 0.83% | 2.83% | 0.69% |
| Q2 2025 | $1.30B | $1.12B | $1.12B | $175.9M | $5.1M | 0.80% | 2.79% | 0.38% |
| Q1 2025 | $1.27B | $1.09B | $1.09B | $173.2M | $2.8M | 0.89% | 2.68% | 0.00% |
| Q4 2024 | $1.24B | $1.05B | $1.06B | $172.3M | $10.3M | 0.86% | 2.82% | 0.79% |
| Q3 2024 | $1.23B | $1.05B | $1.05B | $171.7M | $7.9M | 0.89% | 2.86% | 0.80% |
Loan mix (Q2 2026): real estate $685.1M · commercial $488.8M · consumer $0 · securities $122.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 59.0% | 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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