| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.5 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 9.3% | 11.9% | -2.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $374.6M | $313.6M | $258.3M | $40.4M | $1.8M | 0.98% | 4.16% | 0.41% |
| Q1 2026 | $369.0M | $323.5M | $250.5M | $38.1M | $647K | 0.70% | 4.06% | 0.45% |
| Q4 2025 | $365.7M | $317.2M | $245.9M | $38.9M | $3.3M | 0.91% | 3.83% | 0.52% |
| Q3 2025 | $358.1M | $316.1M | $238.4M | $37.3M | $2.3M | 0.85% | 3.80% | 0.47% |
| Q2 2025 | $366.1M | $321.9M | $235.6M | $35.0M | $1.5M | 0.83% | 3.75% | 0.43% |
| Q1 2025 | $358.5M | $316.8M | $229.5M | $34.8M | $642K | 0.72% | 3.65% | 0.48% |
| Q4 2024 | $352.0M | $309.0M | $229.5M | $34.0M | $2.7M | 0.78% | 3.52% | 0.36% |
| Q3 2024 | $353.0M | $314.6M | $223.6M | $34.7M | $2.0M | 0.75% | 3.47% | 0.33% |
Loan mix (Q2 2026): real estate $199.5M · commercial $18.1M · consumer $36.1M · securities $85.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 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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