| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +5.5% | -10.6 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +9.2% | +5.9% | +3.3 pts |
| ROA | 0.80% | 1.26% | -0.5 pts |
| ROE | 15.2% | 12.2% | +3.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.56B | $1.32B | $884.6M | $86.9M | $6.1M | 0.80% | 3.33% | 0.37% |
| Q1 2026 | $1.53B | $1.35B | $836.8M | $80.3M | $2.6M | 0.68% | 3.30% | 0.40% |
| Q4 2025 | $1.51B | $1.34B | $833.4M | $74.9M | $9.2M | 0.59% | 3.08% | 0.37% |
| Q3 2025 | $1.59B | $1.18B | $822.6M | $71.4M | $6.8M | 0.58% | 3.00% | 0.45% |
| Q2 2025 | $1.64B | $1.27B | $809.8M | $64.6M | $4.3M | 0.54% | 2.97% | 0.45% |
| Q1 2025 | $1.59B | $1.23B | $796.3M | $64.8M | $2.1M | 0.55% | 2.96% | 0.34% |
| Q4 2024 | $1.47B | $1.07B | $759.2M | $62.8M | $6.9M | 0.47% | 2.71% | 0.33% |
| Q3 2024 | $1.48B | $1.09B | $704.7M | $65.6M | $5.3M | 0.48% | 2.66% | 0.35% |
Loan mix (Q2 2026): real estate $761.9M · commercial $97.3M · consumer $20.8M · securities $468.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 59.0% | 81th |
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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