| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.9% | -6.5 pts |
| Deposit growth (YoY) | -2.3% | +4.3% | -6.7 pts |
| Loan growth (YoY) | +1.8% | +5.3% | -3.6 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 14.8% | 12.4% | +2.4 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $571.2M | $497.3M | $365.1M | $60.4M | $4.4M | 1.56% | 4.61% | 0.19% |
| Q1 2026 | $561.7M | $488.5M | $357.9M | $59.8M | $2.1M | 1.45% | 4.42% | 0.13% |
| Q4 2025 | $576.2M | $501.7M | $358.4M | $59.5M | $8.1M | 1.42% | 4.43% | 0.13% |
| Q3 2025 | $575.8M | $502.2M | $348.0M | $58.4M | $6.0M | 1.42% | 4.42% | 0.19% |
| Q2 2025 | $580.3M | $509.1M | $358.7M | $56.1M | $3.9M | 1.36% | 4.34% | 0.19% |
| Q1 2025 | $567.1M | $498.5M | $355.9M | $54.3M | $1.9M | 1.32% | 4.24% | 0.19% |
| Q4 2024 | $556.8M | $491.1M | $365.4M | $51.7M | $6.7M | 1.14% | 3.79% | 0.08% |
| Q3 2024 | $570.8M | $504.0M | $353.7M | $52.3M | $4.9M | 1.08% | 3.68% | 0.07% |
Loan mix (Q2 2026): real estate $313.7M · commercial $52.9M · consumer $2.9M · securities $122.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 61.2% | 35th |
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% |
The full ratio pack is part of CharterBench Pro.