| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +5.5% | -8.7 pts |
| Deposit growth (YoY) | +0.4% | +5.1% | -4.7 pts |
| Loan growth (YoY) | -4.0% | +5.9% | -9.9 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 9.5% | 12.2% | -2.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.38B | $1.23B | $180.1M | $8.3M | 1.05% | 6.60% | 1.41% |
| Q1 2026 | $1.59B | $1.38B | $1.21B | $174.9M | $2.4M | 0.59% | 6.51% | 1.56% |
| Q4 2025 | $1.60B | $1.39B | $1.21B | $173.6M | $15.2M | 0.94% | 6.94% | 1.94% |
| Q3 2025 | $1.63B | $1.43B | $1.27B | $168.9M | $10.7M | 0.88% | 6.99% | 2.63% |
| Q2 2025 | $1.64B | $1.37B | $1.28B | $163.4M | $6.7M | 0.82% | 6.98% | 2.36% |
| Q1 2025 | $1.64B | $1.37B | $1.29B | $161.0M | $4.6M | 1.14% | 7.09% | 3.03% |
| Q4 2024 | $1.60B | $1.37B | $1.22B | $155.2M | $6.8M | 0.44% | 7.40% | 2.23% |
| Q3 2024 | $1.61B | $1.36B | $1.24B | $156.0M | $5.0M | 0.43% | 7.41% | 2.08% |
Loan mix (Q2 2026): real estate $309.2M · commercial $735.2M · consumer $86.0M · securities $148.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 59.0% | 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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