| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Deposit growth (YoY) | +7.3% | +4.3% | +3.0 pts |
| Loan growth (YoY) | -1.1% | +5.3% | -6.5 pts |
| ROA | 0.89% | 1.28% | -0.4 pts |
| ROE | 8.4% | 12.4% | -4.0 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $742.2M | $659.2M | $497.8M | $80.7M | $3.3M | 0.89% | 3.67% | 1.58% |
| Q1 2026 | $734.8M | $653.8M | $524.1M | $78.9M | $1.2M | 0.64% | 3.60% | 1.62% |
| Q4 2025 | $763.3M | $681.0M | $535.3M | $78.3M | $7.6M | 1.05% | 3.70% | 1.81% |
| Q3 2025 | $726.7M | $646.3M | $531.2M | $76.3M | $5.8M | 1.08% | 3.72% | 0.94% |
| Q2 2025 | $702.0M | $614.2M | $503.5M | $74.2M | $3.9M | 1.09% | 3.69% | 0.59% |
| Q1 2025 | $716.2M | $622.1M | $514.9M | $72.3M | $1.8M | 1.01% | 3.66% | 0.58% |
| Q4 2024 | $714.0M | $630.7M | $513.0M | $70.3M | $7.0M | 0.98% | 3.42% | 0.45% |
| Q3 2024 | $717.7M | $607.7M | $513.2M | $69.6M | $4.9M | 0.91% | 3.36% | 0.00% |
Loan mix (Q2 2026): real estate $463.4M · commercial $40.4M · consumer $30K · securities $111.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 61.2% | 46th |
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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