| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.5% | -5.8 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.6 pts |
| Loan growth (YoY) | -5.1% | +5.9% | -11.0 pts |
| ROA | 0.74% | 1.26% | -0.5 pts |
| ROE | 7.0% | 12.2% | -5.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.62B | $4.56B | $4.35B | $595.9M | $20.5M | 0.74% | 2.78% | 0.36% |
| Q1 2026 | $5.46B | $4.40B | $4.40B | $585.6M | $9.7M | 0.70% | 2.76% | 0.36% |
| Q4 2025 | $5.60B | $4.47B | $4.50B | $577.9M | $39.5M | 0.70% | 2.73% | 0.32% |
| Q3 2025 | $5.70B | $4.65B | $4.54B | $565.6M | $29.5M | 0.70% | 2.67% | 0.29% |
| Q2 2025 | $5.64B | $4.50B | $4.58B | $555.7M | $18.0M | 0.64% | 2.60% | 0.30% |
| Q1 2025 | $5.57B | $4.39B | $4.56B | $548.8M | $8.8M | 0.62% | 2.54% | 0.25% |
| Q4 2024 | $5.71B | $4.43B | $4.73B | $541.9M | $27.5M | 0.49% | 2.30% | 0.24% |
| Q3 2024 | $5.75B | $4.65B | $4.77B | $526.4M | $19.4M | 0.46% | 2.26% | 0.26% |
Loan mix (Q2 2026): real estate $4.17B · commercial $113.5M · consumer $73.5M · securities $680.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 59.0% | 82th |
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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