| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.9% | -4.4 pts |
| Deposit growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | -5.4% | +5.3% | -10.8 pts |
| ROA | -0.34% | 1.28% | -1.6 pts |
| ROE | -3.3% | 12.4% | -15.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $852.4M | $765.7M | $641.9M | $84.1M | $-1.4M | -0.34% | 4.16% | 1.21% |
| Q1 2026 | $854.4M | $771.4M | $661.8M | $80.8M | $-4.7M | -2.21% | 4.24% | 0.72% |
| Q4 2025 | $834.8M | $736.5M | $660.0M | $93.2M | $9.4M | 1.11% | 4.01% | 1.57% |
| Q3 2025 | $873.1M | $774.6M | $681.1M | $92.0M | $7.1M | 1.10% | 3.92% | 1.44% |
| Q2 2025 | $848.0M | $752.0M | $678.6M | $90.1M | $4.6M | 1.09% | 3.86% | 0.16% |
| Q1 2025 | $836.7M | $743.3M | $688.0M | $87.3M | $2.0M | 0.96% | 3.69% | 0.36% |
| Q4 2024 | $851.4M | $761.6M | $694.0M | $84.9M | $7.1M | 0.85% | 3.31% | 0.54% |
| Q3 2024 | $854.2M | $763.1M | $687.9M | $85.0M | $5.2M | 0.83% | 3.23% | 0.19% |
Loan mix (Q2 2026): real estate $543.9M · commercial $79.9M · consumer $26.3M · securities $19.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.34% | 1.28% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 12.4% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 61.2% | 96th |
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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