| Metric | Today's Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -1.9% | +4.0% | -5.9 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.2 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $351.0M | $294.6M | $243.9M | $27.4M | $1.3M | 0.75% | 3.86% | 0.68% |
| Q1 2026 | $347.6M | $294.6M | $240.2M | $26.8M | $623K | 0.71% | 3.84% | 0.55% |
| Q4 2025 | $350.6M | $301.1M | $232.3M | $26.3M | $2.3M | 0.68% | 3.67% | 0.37% |
| Q3 2025 | $337.1M | $289.6M | $220.6M | $25.7M | $1.7M | 0.65% | 3.61% | 0.37% |
| Q2 2025 | $346.2M | $300.4M | $226.3M | $23.7M | $1.1M | 0.66% | 3.54% | 0.22% |
| Q1 2025 | $345.2M | $296.1M | $235.7M | $23.8M | $557K | 0.65% | 3.51% | 1.11% |
| Q4 2024 | $335.9M | $288.1M | $237.5M | $22.5M | $183K | 0.05% | 3.51% | 1.19% |
| Q3 2024 | $345.7M | $292.1M | $241.8M | $25.6M | $1.2M | 0.47% | 3.50% | 0.51% |
Loan mix (Q2 2026): real estate $230.3M · commercial $10.9M · consumer $4.0M · securities $69.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Today's Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 62.9% | 83th |
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 | Today's Bank | 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 | Today's Bank | 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 | Today's Bank | 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 | Today's Bank | 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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