| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +4.4% | -11.1 pts |
| Deposit growth (YoY) | -9.9% | +4.0% | -13.8 pts |
| Loan growth (YoY) | -2.4% | +5.6% | -8.0 pts |
| ROA | 2.52% | 1.24% | +1.3 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $394.9M | $328.4M | $98.3M | $65.5M | $5.2M | 2.52% | 4.06% | 0.28% |
| Q1 2026 | $414.1M | $349.2M | $109.2M | $64.0M | $2.7M | 2.51% | 4.05% | 0.00% |
| Q4 2025 | $436.4M | $373.7M | $105.3M | $61.9M | $10.8M | 2.53% | 3.95% | 0.00% |
| Q3 2025 | $422.5M | $356.3M | $103.3M | $64.2M | $8.1M | 2.53% | 3.91% | 0.01% |
| Q2 2025 | $423.3M | $364.4M | $100.8M | $58.1M | $5.5M | 2.58% | 3.93% | 0.00% |
| Q1 2025 | $424.3M | $367.7M | $100.9M | $55.8M | $2.6M | 2.44% | 3.82% | 0.00% |
| Q4 2024 | $429.9M | $378.1M | $99.6M | $51.1M | $10.2M | 2.57% | 3.98% | 0.00% |
| Q3 2024 | $414.2M | $358.2M | $104.0M | $54.4M | $7.4M | 2.54% | 4.01% | 0.00% |
Loan mix (Q2 2026): real estate $63.0M · commercial $28.5M · consumer $1.6M · securities $242.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.52% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 30.8% | 62.9% | 1th |
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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