| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.9% | -0.9 pts |
| Deposit growth (YoY) | +0.8% | +4.3% | -3.6 pts |
| Loan growth (YoY) | +23.3% | +5.3% | +17.9 pts |
| ROA | 0.57% | 1.28% | -0.7 pts |
| ROE | 7.6% | 12.4% | -4.9 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $722.0M | $640.7M | $531.2M | $53.1M | $2.0M | 0.57% | 4.80% | 1.94% |
| Q1 2026 | $704.7M | $623.7M | $508.0M | $52.8M | $1.1M | 0.65% | 4.86% | 2.80% |
| Q4 2025 | $683.7M | $622.1M | $460.3M | $52.9M | $5.9M | 0.87% | 4.38% | 2.04% |
| Q3 2025 | $687.7M | $627.6M | $440.9M | $51.3M | $4.5M | 0.89% | 4.25% | 1.71% |
| Q2 2025 | $694.3M | $635.8M | $431.0M | $49.5M | $2.3M | 0.68% | 4.17% | 1.77% |
| Q1 2025 | $683.2M | $625.3M | $424.0M | $48.4M | $1.1M | 0.65% | 4.16% | 0.94% |
| Q4 2024 | $616.8M | $557.8M | $422.5M | $49.9M | $6.6M | 1.06% | 4.56% | 0.99% |
| Q3 2024 | $628.0M | $541.1M | $415.2M | $52.5M | $5.3M | 1.13% | 4.56% | 0.72% |
Loan mix (Q2 2026): real estate $461.1M · commercial $52.6M · consumer $16.4M · securities $67.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 61.2% | 92th |
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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