| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.9% | -0.5 pts |
| Deposit growth (YoY) | +4.2% | +4.3% | -0.2 pts |
| Loan growth (YoY) | +4.1% | +5.3% | -1.2 pts |
| ROA | 0.86% | 1.28% | -0.4 pts |
| ROE | 8.3% | 12.4% | -4.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $729.5M | $648.8M | $469.9M | $75.6M | $3.1M | 0.86% | 3.18% | 0.08% |
| Q1 2026 | $730.4M | $650.0M | $456.0M | $75.1M | $1.5M | 0.81% | 3.05% | 0.00% |
| Q4 2025 | $714.6M | $635.8M | $450.5M | $73.6M | $5.7M | 0.81% | 3.07% | 0.10% |
| Q3 2025 | $724.6M | $645.7M | $448.8M | $73.8M | $4.3M | 0.81% | 3.05% | 0.15% |
| Q2 2025 | $698.6M | $623.0M | $451.2M | $70.7M | $2.8M | 0.81% | 3.04% | 0.07% |
| Q1 2025 | $693.2M | $618.7M | $445.2M | $69.3M | $1.5M | 0.86% | 2.99% | 0.14% |
| Q4 2024 | $688.3M | $591.3M | $438.5M | $66.0M | $5.5M | 0.80% | 2.99% | 0.10% |
| Q3 2024 | $694.9M | $595.4M | $448.5M | $68.9M | $4.2M | 0.80% | 2.99% | 0.14% |
Loan mix (Q2 2026): real estate $453.2M · commercial $17.3M · consumer $4.7M · securities $121.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.28% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 61.2% | 61th |
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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