| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.9% | +1.2 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| Loan growth (YoY) | +8.2% | +5.3% | +2.9 pts |
| ROA | 0.72% | 1.28% | -0.6 pts |
| ROE | 10.4% | 12.4% | -2.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $666.2M | $603.3M | $502.9M | $46.2M | $2.4M | 0.72% | 4.17% | 0.37% |
| Q1 2026 | $642.8M | $586.4M | $495.4M | $45.0M | $1.2M | 0.76% | 4.18% | 0.35% |
| Q4 2025 | $649.0M | $597.3M | $488.2M | $44.6M | $4.5M | 0.71% | 3.87% | 0.33% |
| Q3 2025 | $637.8M | $587.6M | $472.8M | $42.9M | $2.9M | 0.61% | 3.77% | 0.64% |
| Q2 2025 | $627.7M | $578.3M | $464.7M | $40.5M | $1.5M | 0.49% | 3.72% | 0.38% |
| Q1 2025 | $612.5M | $564.9M | $458.1M | $39.3M | $560K | 0.36% | 3.64% | 0.37% |
| Q4 2024 | $616.3M | $570.6M | $458.6M | $38.5M | $3.3M | 0.56% | 3.55% | 0.34% |
| Q3 2024 | $599.0M | $550.2M | $454.1M | $40.3M | $2.4M | 0.55% | 3.52% | 0.33% |
Loan mix (Q2 2026): real estate $382.9M · commercial $71.9M · consumer $46.9M · securities $91.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 61.2% | 90th |
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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