| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | -0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.6 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 7.7% | 11.9% | -4.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $407.8M | $365.3M | $330.8M | $40.1M | $1.5M | 0.75% | 4.31% | 0.94% |
| Q1 2026 | $400.0M | $358.1M | $335.4M | $39.4M | $671K | 0.66% | 4.18% | 0.46% |
| Q4 2025 | $409.4M | $368.0M | $323.1M | $39.0M | $3.4M | 0.86% | 4.21% | 0.17% |
| Q3 2025 | $410.1M | $369.3M | $319.1M | $38.4M | $2.7M | 0.91% | 4.23% | 0.12% |
| Q2 2025 | $404.6M | $365.4M | $318.2M | $37.3M | $1.9M | 0.98% | 4.21% | 0.13% |
| Q1 2025 | $384.9M | $346.1M | $316.4M | $36.6M | $1.1M | 1.19% | 4.17% | 1.30% |
| Q4 2024 | $380.7M | $343.5M | $310.3M | $35.3M | $2.9M | 0.78% | 4.13% | 0.31% |
| Q3 2024 | $381.7M | $344.4M | $296.9M | $35.2M | $2.2M | 0.79% | 4.13% | 0.34% |
Loan mix (Q2 2026): real estate $317.0M · commercial $15.5M · consumer $451K · securities $20.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 62.9% | 80th |
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.