| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | -7.5% | +5.6% | -13.1 pts |
| ROA | 2.18% | 1.24% | +0.9 pts |
| ROE | 20.5% | 11.9% | +8.6 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $319.5M | $283.1M | $205.6M | $35.7M | $3.5M | 2.18% | 6.48% | 1.58% |
| Q1 2026 | $321.6M | $287.0M | $205.9M | $34.1M | $1.9M | 2.37% | 6.46% | 1.91% |
| Q4 2025 | $316.5M | $284.2M | $216.4M | $32.2M | $8.1M | 2.56% | 6.78% | 1.32% |
| Q3 2025 | $314.8M | $276.2M | $218.5M | $37.6M | $5.7M | 2.40% | 6.79% | 1.96% |
| Q2 2025 | $321.2M | $284.6M | $222.4M | $35.9M | $4.9M | 3.10% | 6.77% | 1.88% |
| Q1 2025 | $318.2M | $284.3M | $230.1M | $33.5M | $2.3M | 3.01% | 6.83% | 1.31% |
| Q4 2024 | $303.4M | $271.7M | $224.0M | $31.6M | $7.8M | 2.51% | 6.64% | 1.29% |
| Q3 2024 | $302.3M | $263.5M | $228.2M | $37.6M | $5.6M | 2.38% | 6.48% | 2.59% |
Loan mix (Q2 2026): real estate $151.0M · commercial $28.3M · consumer $13.1M · securities $31.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53th |
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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