| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | +2.5% | +4.3% | -1.8 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.1 pts |
| ROA | 1.35% | 1.28% | +0.1 pts |
| ROE | 11.7% | 12.4% | -0.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $547.6M | $472.6M | $392.3M | $64.1M | $3.7M | 1.35% | 4.44% | 0.76% |
| Q1 2026 | $536.7M | $463.1M | $388.3M | $62.9M | $1.8M | 1.30% | 4.41% | 0.69% |
| Q4 2025 | $552.6M | $468.3M | $386.0M | $61.4M | $7.0M | 1.27% | 4.25% | 0.51% |
| Q3 2025 | $551.5M | $463.5M | $381.5M | $61.6M | $5.2M | 1.25% | 4.19% | 0.35% |
| Q2 2025 | $549.4M | $460.9M | $372.7M | $59.8M | $3.2M | 1.15% | 4.11% | 0.37% |
| Q1 2025 | $561.6M | $469.2M | $370.0M | $58.4M | $1.6M | 1.12% | 4.00% | 0.40% |
| Q4 2024 | $560.6M | $467.5M | $368.5M | $56.3M | $6.2M | 1.10% | 3.93% | 0.45% |
| Q3 2024 | $572.3M | $446.8M | $370.5M | $57.3M | $4.5M | 1.06% | 3.88% | 0.49% |
Loan mix (Q2 2026): real estate $362.2M · commercial $24.5M · consumer $8.4M · securities $95.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 61.2% | 43th |
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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