| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.5% | -4.2 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -4.9 pts |
| Loan growth (YoY) | +4.4% | +5.9% | -1.5 pts |
| ROA | 1.36% | 1.26% | +0.1 pts |
| ROE | 11.3% | 12.2% | -0.9 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 | $1.60B | $1.39B | $1.04B | $192.2M | $10.9M | 1.36% | 3.96% | 1.01% |
| Q1 2026 | $1.56B | $1.35B | $1.03B | $194.3M | $5.0M | 1.25% | 3.99% | 0.94% |
| Q4 2025 | $1.62B | $1.41B | $1.02B | $191.9M | $21.1M | 1.34% | 3.83% | 0.77% |
| Q3 2025 | $1.61B | $1.41B | $1.01B | $185.1M | $15.3M | 1.31% | 3.82% | 0.63% |
| Q2 2025 | $1.58B | $1.39B | $995.8M | $173.7M | $9.6M | 1.25% | 3.74% | 0.71% |
| Q1 2025 | $1.53B | $1.34B | $981.9M | $172.7M | $4.6M | 1.21% | 3.75% | 0.76% |
| Q4 2024 | $1.52B | $1.34B | $985.5M | $165.3M | $16.4M | 1.08% | 3.44% | 0.55% |
| Q3 2024 | $1.52B | $1.33B | $961.7M | $169.1M | $11.4M | 1.00% | 3.36% | 0.46% |
Loan mix (Q2 2026): real estate $777.4M · commercial $186.5M · consumer $25.1M · securities $380.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 59.0% | 33th |
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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