| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Deposit growth (YoY) | -6.7% | +4.3% | -11.0 pts |
| Loan growth (YoY) | +4.9% | +5.3% | -0.4 pts |
| ROA | 1.33% | 1.28% | +0.1 pts |
| ROE | 13.8% | 12.4% | +1.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $989.8M | $848.0M | $790.4M | $98.0M | $6.6M | 1.33% | 4.47% | 1.44% |
| Q1 2026 | $983.4M | $862.0M | $784.1M | $93.7M | $2.6M | 1.07% | 4.44% | 1.30% |
| Q4 2025 | $990.4M | $888.8M | $767.3M | $93.6M | $13.2M | 1.34% | 4.16% | 0.36% |
| Q3 2025 | $990.2M | $891.0M | $760.9M | $89.5M | $11.7M | 1.59% | 4.10% | 0.33% |
| Q2 2025 | $1.00B | $908.5M | $753.5M | $83.2M | $7.5M | 1.53% | 4.03% | 0.31% |
| Q1 2025 | $979.1M | $889.4M | $726.3M | $81.5M | $4.5M | 1.86% | 4.31% | 0.38% |
| Q4 2024 | $966.1M | $879.1M | $709.7M | $77.2M | $11.5M | 1.19% | 3.56% | 0.57% |
| Q3 2024 | $970.6M | $882.6M | $692.7M | $80.2M | $9.1M | 1.25% | 3.49% | 0.43% |
Loan mix (Q2 2026): real estate $665.9M · commercial $57.8M · consumer $12.4M · securities $141.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.28% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 61.2% | 58th |
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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