| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.9% | +1.4 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +2.8% | +5.3% | -2.5 pts |
| ROA | 1.02% | 1.28% | -0.3 pts |
| ROE | 11.1% | 12.4% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $728.4M | $655.4M | $390.3M | $67.9M | $3.7M | 1.02% | 3.28% | 0.28% |
| Q1 2026 | $722.8M | $652.1M | $384.0M | $65.4M | $1.8M | 1.00% | 3.20% | 0.28% |
| Q4 2025 | $712.5M | $635.7M | $371.1M | $66.6M | $6.2M | 0.91% | 3.15% | 0.28% |
| Q3 2025 | $703.0M | $627.7M | $377.3M | $65.0M | $4.6M | 0.91% | 3.12% | 0.27% |
| Q2 2025 | $685.0M | $613.3M | $379.6M | $60.1M | $3.0M | 0.90% | 3.12% | 0.29% |
| Q1 2025 | $670.7M | $600.2M | $378.9M | $60.9M | $1.5M | 0.89% | 3.11% | 0.32% |
| Q4 2024 | $655.1M | $564.8M | $363.3M | $59.6M | $4.6M | 0.72% | 2.97% | 0.34% |
| Q3 2024 | $641.5M | $548.9M | $354.8M | $61.6M | $3.5M | 0.73% | 2.93% | 0.35% |
Loan mix (Q2 2026): real estate $326.4M · commercial $63.5M · consumer $3.2M · securities $280.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 61.2% | 71th |
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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