| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.9% | +0.4 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.7 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.4 pts |
| ROA | 1.03% | 1.28% | -0.3 pts |
| ROE | 9.2% | 12.4% | -3.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $726.9M | $638.6M | $502.1M | $81.9M | $3.7M | 1.03% | 4.06% | 0.00% |
| Q1 2026 | $722.2M | $634.5M | $475.9M | $81.4M | $1.7M | 0.94% | 3.94% | 0.07% |
| Q4 2025 | $716.1M | $629.4M | $492.3M | $80.1M | $4.7M | 0.67% | 3.78% | 0.07% |
| Q3 2025 | $695.3M | $612.1M | $488.0M | $79.0M | $2.9M | 0.57% | 3.72% | 0.08% |
| Q2 2025 | $690.4M | $607.8M | $474.7M | $79.4M | $1.5M | 0.43% | 3.65% | 0.01% |
| Q1 2025 | $684.7M | $602.9M | $474.3M | $78.6M | $1.1M | 0.62% | 3.53% | 0.03% |
| Q4 2024 | $693.8M | $613.8M | $464.8M | $76.5M | $4.7M | 0.67% | 3.28% | 0.06% |
| Q3 2024 | $721.8M | $629.3M | $475.8M | $78.6M | $3.3M | 0.62% | 3.17% | 0.27% |
Loan mix (Q2 2026): real estate $448.3M · commercial $43.3M · consumer $6.5M · securities $176.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 61.2% | 87th |
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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