| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.9% | -4.0 pts |
| Deposit growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +11.1% | +5.3% | +5.8 pts |
| ROA | 1.73% | 1.28% | +0.4 pts |
| ROE | 29.7% | 12.4% | +17.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $700.9M | $569.0M | $378.5M | $41.1M | $6.1M | 1.73% | 3.41% | 0.10% |
| Q1 2026 | $706.5M | $565.1M | $363.1M | $40.3M | $2.9M | 1.65% | 3.31% | 0.07% |
| Q4 2025 | $700.5M | $545.8M | $359.7M | $41.0M | $10.7M | 1.57% | 3.14% | 0.03% |
| Q3 2025 | $702.6M | $556.1M | $346.8M | $37.9M | $7.4M | 1.46% | 3.07% | 0.07% |
| Q2 2025 | $694.4M | $553.4M | $340.7M | $30.3M | $4.7M | 1.41% | 3.01% | 0.10% |
| Q1 2025 | $660.1M | $544.7M | $338.8M | $29.7M | $2.1M | 1.31% | 2.94% | 0.16% |
| Q4 2024 | $649.7M | $533.2M | $342.4M | $25.5M | $6.9M | 1.09% | 2.77% | 0.17% |
| Q3 2024 | $640.0M | $529.0M | $331.3M | $31.8M | $4.6M | 0.99% | 2.73% | 0.18% |
Loan mix (Q2 2026): real estate $338.7M · commercial $27.9M · consumer $16.2M · securities $285.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.28% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 29.7% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 61.2% | 34th |
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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