| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.9% | -6.2 pts |
| Deposit growth (YoY) | -5.5% | +4.3% | -9.8 pts |
| Loan growth (YoY) | -12.5% | +5.3% | -17.8 pts |
| ROA | 0.69% | 1.28% | -0.6 pts |
| ROE | 6.6% | 12.4% | -5.8 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $620.9M | $410.2M | $282.5M | $64.7M | $2.1M | 0.69% | 2.42% | 0.70% |
| Q1 2026 | $627.5M | $423.9M | $277.2M | $66.0M | $1.0M | 0.66% | 2.40% | 0.92% |
| Q4 2025 | $623.1M | $421.1M | $296.4M | $64.1M | $3.6M | 0.57% | 2.20% | 0.96% |
| Q3 2025 | $614.9M | $413.8M | $307.1M | $62.6M | $2.3M | 0.49% | 2.15% | 1.06% |
| Q2 2025 | $629.2M | $434.0M | $322.8M | $56.0M | $1.6M | 0.49% | 2.09% | 1.47% |
| Q1 2025 | $649.6M | $452.2M | $336.8M | $58.2M | $704K | 0.44% | 2.07% | 1.53% |
| Q4 2024 | $642.2M | $443.7M | $359.9M | $59.1M | $4.1M | 0.64% | 2.26% | 1.29% |
| Q3 2024 | $630.8M | $419.7M | $379.8M | $63.7M | $3.5M | 0.73% | 2.26% | 1.86% |
Loan mix (Q2 2026): real estate $162.7M · commercial $77.4M · consumer $4.3M · securities $277.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 61.2% | 88th |
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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