| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.3 pts |
| Deposit growth (YoY) | +8.6% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 10.3% | 12.2% | -1.9 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 | $1.01B | $926.9M | $648.7M | $72.5M | $3.6M | 0.72% | 3.20% | 0.07% |
| Q1 2026 | $1.00B | $922.9M | $638.7M | $70.1M | $1.4M | 0.55% | 2.99% | 0.13% |
| Q4 2025 | $1.03B | $953.7M | $630.9M | $70.0M | $5.9M | 0.61% | 2.88% | 0.12% |
| Q3 2025 | $971.4M | $874.4M | $617.8M | $66.6M | $3.8M | 0.53% | 2.81% | 0.13% |
| Q2 2025 | $946.2M | $853.3M | $602.1M | $63.0M | $2.2M | 0.46% | 2.70% | 0.18% |
| Q1 2025 | $962.9M | $872.6M | $594.6M | $60.9M | $925K | 0.38% | 2.56% | 0.28% |
| Q4 2024 | $959.7M | $872.6M | $597.9M | $57.5M | $2.8M | 0.30% | 2.34% | 0.21% |
| Q3 2024 | $909.9M | $818.8M | $582.1M | $61.9M | $1.9M | 0.27% | 2.28% | 0.14% |
Loan mix (Q2 2026): real estate $554.2M · commercial $81.2M · consumer $11.9M · securities $223.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 59.0% | 80th |
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% |
The full ratio pack is part of CharterBench Pro.