| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.9% | +1.2 pts |
| Deposit growth (YoY) | +0.5% | +4.3% | -3.8 pts |
| Loan growth (YoY) | +3.8% | +5.3% | -1.6 pts |
| ROA | 1.48% | 1.28% | +0.2 pts |
| ROE | 14.3% | 12.4% | +1.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $736.7M | $577.9M | $494.3M | $87.2M | $5.4M | 1.48% | 3.80% | 0.37% |
| Q1 2026 | $728.5M | $575.0M | $494.8M | $70.0M | $2.7M | 1.49% | 3.68% | 0.56% |
| Q4 2025 | $719.7M | $563.1M | $504.2M | $69.0M | $8.2M | 1.17% | 3.46% | 0.27% |
| Q3 2025 | $702.1M | $580.0M | $477.4M | $66.8M | $6.4M | 1.22% | 3.38% | 0.30% |
| Q2 2025 | $694.1M | $574.8M | $476.3M | $62.5M | $4.1M | 1.17% | 3.30% | 0.17% |
| Q1 2025 | $701.7M | $580.4M | $465.7M | $60.0M | $2.0M | 1.15% | 3.23% | 0.19% |
| Q4 2024 | $695.5M | $579.0M | $469.8M | $57.0M | $7.1M | 1.05% | 3.10% | 0.20% |
| Q3 2024 | $690.8M | $578.6M | $458.7M | $60.6M | $5.6M | 1.10% | 3.06% | 0.20% |
Loan mix (Q2 2026): real estate $313.2M · commercial $98.0M · consumer $13.5M · securities $156.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.28% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 61.2% | 12th |
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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