| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | -5.7% | +4.3% | -10.1 pts |
| Loan growth (YoY) | -0.2% | +5.3% | -5.5 pts |
| ROA | 1.23% | 1.28% | -0.0 pts |
| ROE | 14.2% | 12.4% | +1.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $949.4M | $784.7M | $730.5M | $87.1M | $5.9M | 1.23% | 3.42% | 1.92% |
| Q1 2026 | $949.0M | $822.6M | $722.2M | $80.2M | $2.8M | 1.19% | 3.34% | 2.15% |
| Q4 2025 | $954.1M | $826.4M | $732.8M | $79.8M | $11.4M | 1.21% | 3.27% | 2.13% |
| Q3 2025 | $961.2M | $836.4M | $727.0M | $77.0M | $9.1M | 1.28% | 3.20% | 2.22% |
| Q2 2025 | $952.3M | $832.3M | $732.0M | $71.4M | $6.8M | 1.45% | 3.27% | 1.09% |
| Q1 2025 | $934.8M | $819.1M | $728.1M | $70.6M | $3.3M | 1.41% | 3.22% | 0.86% |
| Q4 2024 | $937.2M | $796.8M | $731.3M | $70.4M | $9.1M | 1.02% | 3.11% | 0.70% |
| Q3 2024 | $903.7M | $764.1M | $704.7M | $71.5M | $8.2M | 1.24% | 3.06% | 0.78% |
Loan mix (Q2 2026): real estate $584.4M · commercial $143.0M · consumer $7.0M · securities $170.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 61.2% | 20th |
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% |
The full ratio pack is part of CharterBench Pro.