| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +5.5% | -8.2 pts |
| Deposit growth (YoY) | -4.2% | +5.1% | -9.2 pts |
| Loan growth (YoY) | -21.8% | +6.0% | -27.8 pts |
| ROA | 1.93% | 1.26% | +0.7 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.92B | $3.32B | $437K | $546.6M | $37.0M | 1.93% | 2.38% | 0.00% |
| Q1 2026 | $3.81B | $3.23B | $67.7M | $527.7M | $18.1M | 1.91% | 2.34% | 0.00% |
| Q4 2025 | $3.77B | $3.17B | $376K | $550.3M | $74.0M | 1.94% | 2.45% | 0.00% |
| Q3 2025 | $4.35B | $3.77B | $1.0M | $532.3M | $56.1M | 1.96% | 2.50% | 0.00% |
| Q2 2025 | $4.03B | $3.47B | $559K | $511.6M | $35.4M | 1.94% | 2.56% | 0.00% |
| Q1 2025 | $3.83B | $3.29B | $51.6M | $493.7M | $17.4M | 2.02% | 2.74% | 0.00% |
| Q4 2024 | $3.08B | $2.52B | $1.4M | $510.0M | $75.0M | 2.20% | 2.90% | 0.00% |
| Q3 2024 | $3.88B | $3.33B | $2.1M | $493.5M | $58.5M | 2.23% | 2.96% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 59.0% | 27th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $3.32B branch deposits. Biggest market: Hudson, NJ, ranked 3rd with 6.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hudson, NJ | 1 | $3.32B | 6.57% | 3rd |
New Jersey: 20th with 0.71% · New York-Newark-Jersey City metro: 50th, 0.11% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1