| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.9% | -6.5 pts |
| Deposit growth (YoY) | -0.2% | +4.3% | -4.5 pts |
| Loan growth (YoY) | — | +5.3% | — |
| ROA | 3.33% | 1.28% | +2.1 pts |
| ROE | 49.0% | 12.4% | +36.5 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $911.0M | $850.4M | $0 | $53.1M | $15.3M | 3.33% | 4.28% | 0.00% |
| Q1 2026 | $926.1M | $848.4M | $0 | $66.2M | $7.5M | 3.24% | 4.25% | 0.00% |
| Q4 2025 | $924.9M | $847.1M | $0 | $68.5M | $29.9M | 3.24% | 4.36% | 0.00% |
| Q3 2025 | $926.2M | $848.2M | $0 | $72.2M | $22.4M | 3.25% | 4.32% | 0.00% |
| Q2 2025 | $926.1M | $851.8M | $0 | $66.3M | $14.6M | 3.19% | 4.23% | 0.00% |
| Q1 2025 | $920.8M | $851.7M | $0 | $61.6M | $7.0M | 3.07% | 4.11% | 0.00% |
| Q4 2024 | $904.8M | $849.7M | $0 | $49.3M | $31.8M | 3.53% | 4.73% | 0.00% |
| Q3 2024 | $905.0M | $844.9M | $0 | $54.6M | $23.8M | 3.51% | 4.80% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $723.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.33% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 49.0% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.9% | 61.2% | 4th |
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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