| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | -7.3% | +5.6% | -12.8 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $309.4M | $280.7M | $118.4M | $27.9M | $2.5M | 1.61% | 3.82% | 0.38% |
| Q1 2026 | $324.5M | $294.3M | $115.3M | $29.4M | $1.2M | 1.58% | 3.92% | 0.38% |
| Q4 2025 | $300.7M | $270.9M | $121.4M | $28.7M | $5.4M | 1.74% | 3.96% | 0.70% |
| Q3 2025 | $294.8M | $267.1M | $126.3M | $26.6M | $4.0M | 1.72% | 3.92% | 0.62% |
| Q2 2025 | $304.7M | $279.9M | $127.7M | $23.8M | $2.9M | 1.80% | 3.88% | 0.45% |
| Q1 2025 | $329.1M | $302.9M | $128.2M | $25.4M | $1.5M | 1.83% | 3.91% | 0.31% |
| Q4 2024 | $326.1M | $300.9M | $133.9M | $24.0M | $4.6M | 1.43% | 3.75% | 0.96% |
| Q3 2024 | $321.5M | $295.4M | $129.4M | $25.1M | $3.2M | 1.35% | 3.76% | 0.81% |
Loan mix (Q2 2026): real estate $89.8M · commercial $16.2M · consumer $8.8M · securities $162.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 62.9% | 47th |
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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