| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.4% | -8.5 pts |
| Deposit growth (YoY) | -5.8% | +4.0% | -9.8 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.3 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 12.9% | 11.9% | +1.1 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.9M | $179.6M | $100.6M | $24.2M | $1.5M | 1.48% | 4.57% | 0.51% |
| Q1 2026 | $211.2M | $187.6M | $100.0M | $23.3M | $937K | 1.81% | 4.52% | 0.48% |
| Q4 2025 | $203.4M | $179.8M | $99.0M | $23.3M | $3.0M | 1.43% | 4.40% | 0.69% |
| Q3 2025 | $214.2M | $190.4M | $97.1M | $23.6M | $2.7M | 1.68% | 4.34% | 0.59% |
| Q2 2025 | $212.6M | $190.7M | $94.2M | $21.6M | $2.1M | 1.95% | 4.33% | 0.45% |
| Q1 2025 | $214.8M | $194.0M | $91.7M | $20.6M | $1.1M | 2.06% | 4.26% | 0.38% |
| Q4 2024 | $206.2M | $186.9M | $90.8M | $19.2M | $2.8M | 1.29% | 4.19% | 0.41% |
| Q3 2024 | $216.6M | $195.5M | $88.7M | $20.9M | $2.9M | 1.77% | 4.09% | 0.49% |
Loan mix (Q2 2026): real estate $71.0M · commercial $12.5M · consumer $17.7M · securities $70.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 62.9% | 17th |
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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