| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Deposit growth (YoY) | +4.7% | +4.3% | +0.4 pts |
| Loan growth (YoY) | -5.0% | +5.3% | -10.4 pts |
| ROA | 1.19% | 1.28% | -0.1 pts |
| ROE | 10.0% | 12.4% | -2.4 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $622.2M | $545.5M | $422.6M | $74.5M | $3.7M | 1.19% | 4.34% | 0.24% |
| Q1 2026 | $632.4M | $555.9M | $409.6M | $73.7M | $1.8M | 1.14% | 4.25% | 0.33% |
| Q4 2025 | $603.0M | $527.1M | $436.8M | $73.1M | $7.1M | 1.18% | 4.37% | 0.40% |
| Q3 2025 | $590.6M | $514.8M | $439.4M | $71.9M | $5.1M | 1.14% | 4.33% | 0.43% |
| Q2 2025 | $594.3M | $521.0M | $445.1M | $70.0M | $3.3M | 1.10% | 4.27% | 0.60% |
| Q1 2025 | $620.8M | $547.7M | $434.8M | $69.0M | $1.6M | 1.09% | 4.19% | 0.27% |
| Q4 2024 | $589.7M | $518.1M | $453.4M | $67.9M | $7.1M | 1.16% | 4.22% | 0.00% |
| Q3 2024 | $590.4M | $518.0M | $444.7M | $67.9M | $5.5M | 1.19% | 4.16% | 0.20% |
Loan mix (Q2 2026): real estate $303.7M · commercial $85.9M · consumer $2.2M · securities $84.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 61.2% | 61th |
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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