| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.5% | +0.2 pts |
| Deposit growth (YoY) | -0.3% | +5.1% | -5.3 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.4 pts |
| ROA | 1.26% | 1.26% | -0.0 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.30B | $1.06B | $878.7M | $128.3M | $8.0M | 1.26% | 4.35% | 0.88% |
| Q1 2026 | $1.27B | $1.13B | $861.5M | $119.6M | $3.5M | 1.13% | 4.33% | 0.34% |
| Q4 2025 | $1.24B | $1.04B | $848.9M | $118.6M | $13.5M | 1.09% | 4.03% | 0.32% |
| Q3 2025 | $1.24B | $1.07B | $856.6M | $113.2M | $11.0M | 1.19% | 3.91% | 0.33% |
| Q2 2025 | $1.23B | $1.07B | $832.6M | $96.7M | $6.4M | 1.04% | 3.80% | 0.18% |
| Q1 2025 | $1.25B | $1.13B | $809.3M | $92.4M | $3.0M | 0.98% | 3.69% | 0.21% |
| Q4 2024 | $1.22B | $1.07B | $793.2M | $85.7M | $11.1M | 0.91% | 3.58% | 0.12% |
| Q3 2024 | $1.26B | $1.11B | $781.0M | $91.1M | $8.3M | 0.91% | 3.53% | 0.12% |
Loan mix (Q2 2026): real estate $777.6M · commercial $75.2M · consumer $3.0M · securities $285.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 59.0% | 65th |
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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