| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +10.4% | +5.3% | +5.1 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 10.8% | 12.4% | -1.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $952.4M | $827.7M | $783.5M | $93.2M | $4.9M | 1.04% | 3.54% | 0.53% |
| Q1 2026 | $940.5M | $829.5M | $762.7M | $91.1M | $2.5M | 1.05% | 3.47% | 0.59% |
| Q4 2025 | $937.7M | $827.8M | $725.4M | $88.8M | $7.1M | 0.78% | 3.22% | 0.82% |
| Q3 2025 | $927.5M | $815.5M | $720.2M | $91.4M | $5.1M | 0.75% | 3.14% | 0.90% |
| Q2 2025 | $910.2M | $801.3M | $709.6M | $88.8M | $3.2M | 0.70% | 3.08% | 0.96% |
| Q1 2025 | $906.5M | $799.4M | $700.5M | $87.3M | $1.3M | 0.60% | 3.05% | 0.94% |
| Q4 2024 | $894.9M | $788.4M | $688.9M | $85.3M | $6.0M | 0.69% | 2.97% | 0.60% |
| Q3 2024 | $863.0M | $752.6M | $698.2M | $89.0M | $4.1M | 0.63% | 2.98% | 0.04% |
Loan mix (Q2 2026): real estate $714.8M · commercial $70.7M · consumer $3.0M · securities $56.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 61.2% | 65th |
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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