| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +6.9% | +5.1% | +1.8 pts |
| Loan growth (YoY) | +2.1% | +5.9% | -3.8 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.70B | $1.47B | $1.00B | $196.4M | $8.3M | 0.95% | 3.07% | 0.27% |
| Q1 2026 | $1.76B | $1.54B | $988.3M | $193.8M | $3.4M | 0.76% | 2.86% | 0.26% |
| Q4 2025 | $1.79B | $1.56B | $992.0M | $190.2M | $15.3M | 0.90% | 2.84% | 0.24% |
| Q3 2025 | $1.73B | $1.50B | $989.1M | $183.6M | $10.6M | 0.85% | 2.81% | 0.35% |
| Q2 2025 | $1.60B | $1.38B | $983.1M | $176.5M | $6.1M | 0.74% | 2.76% | 0.29% |
| Q1 2025 | $1.64B | $1.44B | $964.1M | $172.5M | $2.5M | 0.59% | 2.64% | 0.28% |
| Q4 2024 | $1.71B | $1.52B | $974.7M | $165.5M | $12.0M | 0.74% | 2.58% | 0.25% |
| Q3 2024 | $1.63B | $1.43B | $962.1M | $164.1M | $9.3M | 0.77% | 2.58% | 0.33% |
Loan mix (Q2 2026): real estate $953.0M · commercial $61.7M · consumer $6.0M · securities $307.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 59.0% | 84th |
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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