| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.9% | -6.3 pts |
| Deposit growth (YoY) | -0.8% | +4.3% | -5.1 pts |
| Loan growth (YoY) | -0.4% | +5.3% | -5.8 pts |
| ROA | 1.41% | 1.28% | +0.1 pts |
| ROE | 15.8% | 12.4% | +3.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $676.8M | $588.0M | $492.1M | $61.8M | $4.8M | 1.41% | 4.03% | 0.95% |
| Q1 2026 | $684.1M | $596.0M | $503.6M | $60.7M | $2.8M | 1.60% | 3.98% | 0.87% |
| Q4 2025 | $693.4M | $589.9M | $510.8M | $60.9M | $8.4M | 1.22% | 3.68% | 0.36% |
| Q3 2025 | $689.5M | $594.5M | $497.7M | $61.0M | $7.7M | 1.49% | 3.61% | 0.39% |
| Q2 2025 | $686.5M | $592.5M | $494.1M | $58.5M | $4.7M | 1.37% | 3.45% | 0.76% |
| Q1 2025 | $689.8M | $582.4M | $481.7M | $56.2M | $2.1M | 1.21% | 3.32% | 0.76% |
| Q4 2024 | $681.1M | $575.8M | $471.6M | $53.0M | $7.5M | 1.10% | 3.31% | 0.79% |
| Q3 2024 | $683.8M | $570.1M | $469.1M | $55.4M | $7.0M | 1.37% | 3.30% | 0.81% |
Loan mix (Q2 2026): real estate $393.5M · commercial $54.5M · consumer $47.7M · securities $136.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.28% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 61.2% | 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% |
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