| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -0.9 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 0.80% | 1.24% | -0.4 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.1M | $348.6M | $266.5M | $30.8M | $1.6M | 0.80% | 2.63% | 0.43% |
| Q1 2026 | $407.6M | $371.9M | $263.3M | $31.2M | $745K | 0.77% | 2.60% | 0.45% |
| Q4 2025 | $370.5M | $334.4M | $260.3M | $31.4M | $2.5M | 0.67% | 2.46% | 0.53% |
| Q3 2025 | $370.2M | $333.9M | $258.2M | $31.5M | $1.7M | 0.61% | 2.41% | 0.49% |
| Q2 2025 | $372.3M | $338.3M | $259.4M | $29.5M | $1.1M | 0.56% | 2.35% | 0.46% |
| Q1 2025 | $386.3M | $352.0M | $257.9M | $29.8M | $503K | 0.53% | 2.32% | 0.40% |
| Q4 2024 | $368.0M | $335.2M | $256.1M | $28.2M | $1.7M | 0.47% | 2.23% | 0.37% |
| Q3 2024 | $359.6M | $321.9M | $256.2M | $30.3M | $1.3M | 0.46% | 2.22% | 0.24% |
Loan mix (Q2 2026): real estate $254.3M · commercial $9.4M · consumer $3.1M · securities $79.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 62.9% | 58th |
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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