| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Deposit growth (YoY) | -1.9% | +4.3% | -6.2 pts |
| Loan growth (YoY) | -2.7% | +5.3% | -8.0 pts |
| ROA | 1.42% | 1.28% | +0.1 pts |
| ROE | 14.4% | 12.4% | +2.0 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $936.4M | $811.9M | $793.2M | $94.9M | $6.7M | 1.42% | 3.66% | 1.17% |
| Q1 2026 | $943.8M | $797.3M | $787.3M | $92.8M | $3.0M | 1.27% | 3.60% | 1.28% |
| Q4 2025 | $957.8M | $801.1M | $809.6M | $91.1M | $13.0M | 1.42% | 3.73% | 1.24% |
| Q3 2025 | $947.2M | $817.7M | $818.9M | $87.8M | $9.7M | 1.42% | 3.77% | 0.47% |
| Q2 2025 | $937.7M | $827.5M | $814.9M | $84.3M | $6.3M | 1.40% | 3.74% | 0.12% |
| Q1 2025 | $905.5M | $789.5M | $791.5M | $83.1M | $3.4M | 1.55% | 3.71% | 0.01% |
| Q4 2024 | $857.1M | $728.5M | $734.2M | $77.2M | $8.2M | 1.10% | 3.27% | 0.02% |
| Q3 2024 | $871.5M | $749.9M | $674.1M | $76.1M | $5.5M | 1.03% | 3.10% | 0.02% |
Loan mix (Q2 2026): real estate $613.6M · commercial $159.8M · consumer $12.9M · securities $2.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.4% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 61.2% | 58th |
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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