| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.9% | +1.2 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.8 pts |
| ROA | 0.86% | 1.28% | -0.4 pts |
| ROE | 6.3% | 12.4% | -6.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $523.4M | $430.8M | $371.1M | $71.1M | $2.2M | 0.86% | 4.43% | 0.76% |
| Q1 2026 | $520.6M | $429.7M | $363.1M | $71.7M | $2.8M | 2.20% | 4.41% | 0.80% |
| Q4 2025 | $506.7M | $419.5M | $347.1M | $68.9M | $4.9M | 0.98% | 4.67% | 0.83% |
| Q3 2025 | $507.1M | $418.7M | $352.9M | $68.8M | $4.8M | 1.29% | 4.64% | 1.32% |
| Q2 2025 | $493.5M | $405.1M | $339.9M | $69.4M | $3.4M | 1.38% | 4.58% | 1.42% |
| Q1 2025 | $488.7M | $399.2M | $315.6M | $69.1M | $2.6M | 2.14% | 4.45% | 1.44% |
| Q4 2024 | $490.3M | $404.2M | $297.3M | $66.5M | $6.2M | 1.28% | 4.91% | 0.97% |
| Q3 2024 | $495.1M | $409.9M | $295.5M | $65.5M | $5.2M | 1.43% | 5.02% | 1.10% |
Loan mix (Q2 2026): real estate $148.1M · commercial $176.5M · consumer $55.1M · securities $2.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 61.2% | 88th |
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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