| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +4.4% | -12.7 pts |
| Deposit growth (YoY) | -4.3% | +4.0% | -8.2 pts |
| Loan growth (YoY) | -7.8% | +5.6% | -13.3 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.1M | $257.9M | $245.1M | $33.7M | $2.1M | 1.40% | 5.27% | 0.78% |
| Q1 2026 | $306.1M | $272.1M | $248.6M | $32.4M | $1.0M | 1.30% | 5.15% | 0.48% |
| Q4 2025 | $310.9M | $276.7M | $255.3M | $33.0M | $3.1M | 0.99% | 4.64% | 0.53% |
| Q3 2025 | $308.3M | $274.6M | $249.5M | $31.7M | $2.1M | 0.89% | 4.48% | 0.61% |
| Q2 2025 | $319.8M | $269.4M | $265.7M | $31.0M | $1.2M | 0.72% | 4.37% | 0.47% |
| Q1 2025 | $322.7M | $279.0M | $264.4M | $30.1M | $589K | 0.73% | 4.20% | 0.44% |
| Q4 2024 | $324.0M | $282.8M | $261.0M | $29.3M | $1.6M | 0.50% | 3.79% | 0.45% |
| Q3 2024 | $321.4M | $278.6M | $256.4M | $29.0M | $468K | 0.20% | 3.58% | 0.41% |
Loan mix (Q2 2026): real estate $209.5M · commercial $28.1M · consumer $4.8M · securities $16.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 57th |
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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