| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +8.1% | +4.3% | +3.7 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| ROA | 0.51% | 1.28% | -0.8 pts |
| ROE | 6.5% | 12.4% | -5.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $918.3M | $773.2M | $711.5M | $71.0M | $2.3M | 0.51% | 3.00% | 0.25% |
| Q1 2026 | $902.8M | $750.0M | $716.5M | $69.4M | $1.1M | 0.50% | 2.92% | 0.01% |
| Q4 2025 | $882.8M | $715.1M | $705.7M | $68.4M | $3.1M | 0.37% | 2.72% | 0.01% |
| Q3 2025 | $866.0M | $707.4M | $695.4M | $66.3M | $1.8M | 0.29% | 2.65% | 0.01% |
| Q2 2025 | $852.9M | $715.6M | $679.0M | $63.9M | $451K | 0.11% | 2.52% | 0.12% |
| Q1 2025 | $834.2M | $728.8M | $664.4M | $62.6M | $-578K | -0.28% | 2.37% | 0.13% |
| Q4 2024 | $825.0M | $718.0M | $662.3M | $60.9M | $1.5M | 0.18% | 2.21% | 0.13% |
| Q3 2024 | $826.7M | $705.6M | $667.0M | $63.7M | $1.1M | 0.18% | 2.19% | 0.04% |
Loan mix (Q2 2026): real estate $627.4M · commercial $79.4M · consumer $11.6M · securities $96.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.28% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 61.2% | 84th |
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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