| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.9% | -3.8 pts |
| Deposit growth (YoY) | -0.9% | +4.3% | -5.2 pts |
| Loan growth (YoY) | +1.6% | +5.3% | -3.7 pts |
| ROA | 0.82% | 1.28% | -0.5 pts |
| ROE | 8.9% | 12.4% | -3.5 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $812.3M | $680.7M | $718.7M | $75.7M | $3.3M | 0.82% | 3.02% | 1.16% |
| Q1 2026 | $806.8M | $651.9M | $710.5M | $73.8M | $1.6M | 0.79% | 2.98% | 0.71% |
| Q4 2025 | $804.0M | $670.8M | $711.3M | $72.4M | $4.6M | 0.57% | 2.85% | 0.89% |
| Q3 2025 | $798.9M | $655.6M | $707.2M | $71.9M | $4.2M | 0.69% | 2.80% | 0.00% |
| Q2 2025 | $803.2M | $687.0M | $707.2M | $70.2M | $2.5M | 0.62% | 2.64% | 0.00% |
| Q1 2025 | $817.5M | $612.2M | $711.0M | $68.6M | $1.0M | 0.50% | 2.46% | 0.00% |
| Q4 2024 | $808.8M | $636.9M | $694.1M | $67.8M | $3.6M | 0.46% | 2.22% | 0.00% |
| Q3 2024 | $795.4M | $636.7M | $673.4M | $66.9M | $2.7M | 0.47% | 2.18% | 0.00% |
Loan mix (Q2 2026): real estate $659.5M · commercial $65.2M · consumer $300K · securities $7.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 61.2% | 63th |
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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