| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 3.5% | 11.9% | -8.4 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $470.8M | $371.9M | $255.9M | $71.7M | $1.2M | 0.53% | 2.67% | 0.09% |
| Q1 2026 | $466.8M | $365.3M | $252.1M | $71.1M | $585K | 0.50% | 2.60% | 0.09% |
| Q4 2025 | $470.4M | $359.4M | $251.5M | $71.4M | $2.9M | 0.62% | 2.45% | 0.09% |
| Q3 2025 | $468.5M | $363.0M | $251.7M | $70.1M | $2.1M | 0.60% | 2.40% | 0.10% |
| Q2 2025 | $467.5M | $360.3M | $246.3M | $69.0M | $1.4M | 0.61% | 2.35% | 0.10% |
| Q1 2025 | $463.7M | $360.8M | $243.4M | $67.9M | $678K | 0.59% | 2.31% | 0.02% |
| Q4 2024 | $457.1M | $369.4M | $236.4M | $66.1M | $2.3M | 0.51% | 2.20% | 0.03% |
| Q3 2024 | $462.4M | $374.4M | $237.6M | $68.3M | $1.6M | 0.47% | 2.19% | 0.03% |
Loan mix (Q2 2026): real estate $213.3M · commercial $3.7M · consumer $25.1M · securities $197.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Neffs National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 62.9% | 84th |
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 | The Neffs National Bank | 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 | The Neffs National Bank | 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 | The Neffs National Bank | 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 | The Neffs National Bank | 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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