| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +5.5% | -5.5 pts |
| Deposit growth (YoY) | -2.3% | +5.1% | -7.3 pts |
| Loan growth (YoY) | +4.7% | +5.9% | -1.2 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 11.5% | 12.2% | -0.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.51B | $4.60B | $3.36B | $328.2M | $18.8M | 0.63% | 2.85% | 0.14% |
| Q1 2026 | $5.55B | $4.78B | $3.37B | $327.8M | $9.1M | 0.58% | 2.78% | 0.15% |
| Q4 2025 | $6.88B | $6.52B | $3.29B | $322.9M | $23.2M | 0.40% | 2.64% | 0.09% |
| Q3 2025 | $5.53B | $4.79B | $3.30B | $321.6M | $16.2M | 0.39% | 2.69% | 0.07% |
| Q2 2025 | $5.51B | $4.71B | $3.21B | $284.2M | $13.9M | 0.51% | 2.68% | 0.07% |
| Q1 2025 | $5.52B | $4.83B | $3.19B | $267.3M | $7.1M | 0.51% | 2.80% | 0.06% |
| Q4 2024 | $5.52B | $5.24B | $3.12B | $233.5M | $24.4M | 0.43% | 2.47% | 0.06% |
| Q3 2024 | $5.63B | $4.71B | $3.06B | $294.9M | $21.6M | 0.50% | 2.44% | 0.06% |
Loan mix (Q2 2026): real estate $2.92B · commercial $270.6M · consumer $23.8M · securities $1.73B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 59.0% | 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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