| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | -6.1% | +5.3% | -11.4 pts |
| ROA | 1.15% | 1.28% | -0.1 pts |
| ROE | 10.6% | 12.4% | -1.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $720.9M | $603.0M | $448.4M | $81.7M | $4.1M | 1.15% | 3.81% | 0.00% |
| Q1 2026 | $716.3M | $604.8M | $459.8M | $76.0M | $2.2M | 1.25% | 3.82% | 0.00% |
| Q4 2025 | $705.0M | $594.3M | $476.1M | $74.7M | $7.9M | 1.16% | 3.78% | 0.00% |
| Q3 2025 | $687.9M | $579.2M | $472.7M | $72.4M | $6.0M | 1.17% | 3.75% | 0.00% |
| Q2 2025 | $682.5M | $573.7M | $477.4M | $68.8M | $4.0M | 1.16% | 3.69% | 0.08% |
| Q1 2025 | $683.0M | $575.7M | $490.8M | $68.9M | $2.1M | 1.22% | 3.65% | 0.08% |
| Q4 2024 | $673.2M | $573.5M | $480.8M | $68.2M | $7.5M | 1.14% | 3.53% | 0.00% |
| Q3 2024 | $666.1M | $559.8M | $471.3M | $68.9M | $5.8M | 1.19% | 3.49% | 0.06% |
Loan mix (Q2 2026): real estate $336.4M · commercial $21.1M · consumer $1.4M · securities $130.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.28% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 61.2% | 68th |
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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