| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.2 pts |
| ROA | 0.80% | 1.24% | -0.4 pts |
| ROE | 8.8% | 11.9% | -3.1 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 | $472.0M | $425.5M | $334.0M | $43.6M | $1.9M | 0.80% | 3.87% | 0.69% |
| Q1 2026 | $477.1M | $427.3M | $332.7M | $42.9M | $774K | 0.66% | 3.81% | 0.50% |
| Q4 2025 | $463.5M | $418.9M | $320.0M | $42.9M | $3.2M | 0.70% | 3.68% | 0.58% |
| Q3 2025 | $461.3M | $416.9M | $309.0M | $42.0M | $2.3M | 0.67% | 3.62% | 0.79% |
| Q2 2025 | $461.9M | $419.0M | $299.0M | $40.4M | $1.5M | 0.65% | 3.55% | 0.85% |
| Q1 2025 | $464.8M | $423.2M | $294.9M | $39.6M | $618K | 0.54% | 3.37% | 0.90% |
| Q4 2024 | $457.6M | $418.1M | $293.1M | $37.6M | $2.1M | 0.48% | 3.20% | 0.91% |
| Q3 2024 | $443.3M | $402.5M | $288.0M | $39.2M | $1.6M | 0.49% | 3.14% | 1.06% |
Loan mix (Q2 2026): real estate $288.2M · commercial $34.9M · consumer $11.1M · securities $93.0M
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 | 8.8% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 62.9% | 73th |
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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