| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | +0.3% | +4.3% | -4.0 pts |
| Loan growth (YoY) | +6.3% | +5.3% | +1.0 pts |
| ROA | 1.32% | 1.28% | +0.0 pts |
| ROE | 12.5% | 12.4% | +0.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $946.3M | $835.3M | $524.8M | $105.4M | $6.4M | 1.32% | 3.75% | 0.46% |
| Q1 2026 | $944.5M | $837.2M | $499.4M | $101.1M | $2.9M | 1.18% | 3.59% | 0.47% |
| Q4 2025 | $992.5M | $888.8M | $496.4M | $98.9M | $11.7M | 1.24% | 3.62% | 0.45% |
| Q3 2025 | $930.5M | $825.4M | $497.8M | $99.9M | $9.0M | 1.28% | 3.62% | 0.47% |
| Q2 2025 | $930.4M | $832.4M | $493.7M | $93.1M | $5.7M | 1.23% | 3.58% | 0.53% |
| Q1 2025 | $933.1M | $840.4M | $479.5M | $87.5M | $2.7M | 1.14% | 3.43% | 0.51% |
| Q4 2024 | $931.3M | $844.2M | $477.6M | $82.3M | $8.5M | 0.94% | 3.25% | 0.53% |
| Q3 2024 | $900.0M | $807.1M | $471.9M | $87.9M | $6.6M | 0.98% | 3.21% | 0.79% |
Loan mix (Q2 2026): real estate $482.4M · commercial $32.9M · consumer $14.4M · securities $323.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 61.2% | 40th |
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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