| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.9% | +5.9% | -12.8 pts |
| Deposit growth (YoY) | -2.8% | +5.7% | -8.5 pts |
| Loan growth (YoY) | -1.5% | +6.9% | -8.4 pts |
| ROA | 0.41% | 1.23% | -0.8 pts |
| ROE | 3.5% | 11.2% | -7.7 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.13B | $27.18B | $7.85B | $3.83B | $67.8M | 0.41% | 6.39% | 0.56% |
| Q1 2026 | $32.72B | $27.66B | $7.88B | $3.77B | $10.2M | 0.12% | 6.37% | 0.59% |
| Q4 2025 | $34.63B | $28.74B | $8.80B | $3.86B | $401.8M | 1.16% | 6.39% | 0.60% |
| Q3 2025 | $34.30B | $28.47B | $8.01B | $4.45B | $326.5M | 1.25% | 6.41% | 0.60% |
| Q2 2025 | $34.51B | $27.97B | $7.97B | $4.36B | $207.0M | 1.19% | 6.39% | 0.62% |
| Q1 2025 | $34.74B | $28.33B | $8.05B | $4.45B | $112.7M | 1.28% | 6.44% | 0.60% |
| Q4 2024 | $35.51B | $29.07B | $9.09B | $4.30B | $123.8M | 0.36% | 6.70% | 0.65% |
| Q3 2024 | $34.22B | $27.62B | $8.22B | $4.14B | $25.5M | 0.10% | 6.73% | 0.64% |
Loan mix (Q2 2026): real estate $109.3M · commercial $41K · consumer $8.52B · securities $18.41B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 1.23% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 11.3% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.39% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 54.9% | 91st |
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) · $27.18B branch deposits. Biggest market: New Castle, DE, ranked 4th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New Castle, DE | 1 | $27.18B | 5.75% | 4th |
Delaware: 4th with 4.86% · Philadelphia-Camden-Wilmington metro: 6th, 3.77% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1