| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | -11.7% | +4.0% | -15.7 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 13.3% | 11.9% | +1.4 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $452.1M | $364.7M | $324.4M | $54.8M | $3.5M | 1.55% | 3.78% | 0.69% |
| Q1 2026 | $450.5M | $395.2M | $312.6M | $53.1M | $1.7M | 1.50% | 3.72% | 0.27% |
| Q4 2025 | $462.9M | $408.8M | $311.2M | $51.6M | $5.8M | 1.28% | 3.44% | 0.53% |
| Q3 2025 | $443.6M | $386.8M | $312.9M | $54.2M | $4.7M | 1.38% | 3.39% | 0.14% |
| Q2 2025 | $467.5M | $413.2M | $316.4M | $52.0M | $3.0M | 1.33% | 3.32% | 0.28% |
| Q1 2025 | $454.1M | $401.9M | $311.5M | $49.9M | $1.4M | 1.24% | 3.29% | 0.28% |
| Q4 2024 | $437.9M | $388.1M | $305.9M | $47.6M | $4.5M | 1.03% | 3.05% | 0.10% |
| Q3 2024 | $439.5M | $371.4M | $307.7M | $50.9M | $3.4M | 1.04% | 2.96% | 0.06% |
Loan mix (Q2 2026): real estate $263.3M · commercial $41.1M · consumer $17.2M · securities $87.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 62.9% | 12th |
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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