| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.8 pts |
| Loan growth (YoY) | -3.7% | +5.6% | -9.3 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $446.2M | $373.9M | $296.1M | $58.9M | $3.7M | 1.66% | 4.08% | 2.58% |
| Q1 2026 | $445.1M | $373.6M | $295.0M | $57.9M | $1.6M | 1.46% | 3.99% | 2.61% |
| Q4 2025 | $434.8M | $361.9M | $297.0M | $58.0M | $7.7M | 1.76% | 4.10% | 2.50% |
| Q3 2025 | $442.9M | $368.9M | $300.4M | $59.8M | $5.2M | 1.56% | 4.02% | 2.45% |
| Q2 2025 | $448.5M | $373.3M | $307.4M | $58.2M | $3.1M | 1.42% | 3.93% | 2.46% |
| Q1 2025 | $446.7M | $372.0M | $312.4M | $57.9M | $1.4M | 1.24% | 3.88% | 2.42% |
| Q4 2024 | $428.3M | $343.8M | $312.7M | $57.9M | $6.9M | 1.58% | 3.97% | 2.55% |
| Q3 2024 | $439.9M | $367.4M | $316.0M | $54.9M | $5.1M | 1.56% | 3.98% | 2.52% |
Loan mix (Q2 2026): real estate $276.8M · commercial $8.1M · consumer $6.2M · securities $64.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 62.9% | 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% |
The full ratio pack is part of CharterBench Pro.