| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.5 pts |
| Deposit growth (YoY) | +1.5% | +5.1% | -3.5 pts |
| Loan growth (YoY) | -3.4% | +5.9% | -9.3 pts |
| ROA | -0.09% | 1.26% | -1.3 pts |
| ROE | -0.9% | 12.2% | -13.0 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.49B | $5.62B | $3.35B | $652.5M | $-2.8M | -0.09% | -0.46% | 0.26% |
| Q1 2026 | $6.33B | $5.47B | $3.41B | $643.9M | $-3.9M | -0.25% | -0.50% | 0.26% |
| Q4 2025 | $6.30B | $5.42B | $3.43B | $648.8M | $-5.6M | -0.09% | -0.80% | 0.35% |
| Q3 2025 | $6.28B | $5.44B | $3.46B | $621.8M | $-9.0M | -0.19% | -0.85% | 0.46% |
| Q2 2025 | $6.37B | $5.54B | $3.47B | $604.5M | $-12.6M | -0.40% | -0.85% | 0.33% |
| Q1 2025 | $6.33B | $5.51B | $3.59B | $599.1M | $-13.1M | -0.82% | -0.84% | 0.31% |
| Q4 2024 | $6.35B | $5.52B | $3.61B | $597.1M | $9.9M | 0.15% | -0.95% | 0.29% |
| Q3 2024 | $6.39B | $5.50B | $3.67B | $600.2M | $1.5M | 0.03% | -0.97% | 0.34% |
Loan mix (Q2 2026): real estate $3.40B · commercial $23.4M · consumer $2.4M · securities $1.36B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | -0.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.9% | 59.0% | 100th |
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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