| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | -5.3% | +4.3% | -9.7 pts |
| Loan growth (YoY) | +11.7% | +5.3% | +6.4 pts |
| ROA | 0.67% | 1.28% | -0.6 pts |
| ROE | 5.1% | 12.4% | -7.4 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $770.7M | $610.1M | $274.1M | $100.8M | $2.5M | 0.67% | 3.09% | 0.06% |
| Q1 2026 | $787.9M | $666.4M | $265.7M | $100.6M | $1.5M | 0.81% | 3.36% | 0.07% |
| Q4 2025 | $726.7M | $604.8M | $260.8M | $99.8M | $4.2M | 0.53% | 2.85% | 0.07% |
| Q3 2025 | $757.7M | $637.9M | $249.7M | $99.2M | $3.4M | 0.57% | 2.88% | 0.12% |
| Q2 2025 | $761.0M | $644.6M | $245.3M | $95.7M | $2.8M | 0.68% | 3.00% | 0.08% |
| Q1 2025 | $866.2M | $752.2M | $228.7M | $93.7M | $1.4M | 0.66% | 2.94% | 0.06% |
| Q4 2024 | $831.4M | $721.0M | $230.6M | $89.1M | $22.1M | 2.62% | 3.03% | 0.05% |
| Q3 2024 | $813.8M | $667.0M | $236.2M | $95.0M | $20.5M | 3.23% | 3.06% | 0.05% |
Loan mix (Q2 2026): real estate $250.6M · commercial $16.5M · consumer $7.4M · securities $414.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.28% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 12.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 61.2% | 88th |
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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