| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.2% | +4.9% | -12.1 pts |
| Deposit growth (YoY) | -6.8% | +4.3% | -11.1 pts |
| Loan growth (YoY) | -12.2% | +5.3% | -17.6 pts |
| ROA | 0.74% | 1.28% | -0.5 pts |
| ROE | 5.7% | 12.4% | -6.7 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $540.4M | $452.1M | $353.3M | $74.9M | $2.0M | 0.74% | 3.66% | 0.00% |
| Q1 2026 | $538.9M | $452.0M | $374.5M | $73.4M | $1.0M | 0.73% | 3.52% | 0.19% |
| Q4 2025 | $565.2M | $485.6M | $376.3M | $64.1M | $3.5M | 0.60% | 3.40% | 0.18% |
| Q3 2025 | $570.8M | $494.5M | $381.8M | $61.9M | $2.2M | 0.50% | 3.36% | 0.22% |
| Q2 2025 | $582.1M | $485.1M | $402.5M | $60.2M | $1.3M | 0.44% | 3.30% | 0.20% |
| Q1 2025 | $587.9M | $512.9M | $404.5M | $59.7M | $593K | 0.41% | 3.20% | 0.32% |
| Q4 2024 | $576.8M | $475.6M | $384.8M | $59.3M | $-1.8M | -0.29% | 2.38% | 0.01% |
| Q3 2024 | $600.5M | $524.3M | $396.2M | $59.1M | $-1.4M | -0.29% | 2.24% | 0.41% |
Loan mix (Q2 2026): real estate $260.9M · commercial $78.4M · consumer $19.5M · securities $35.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.28% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 61.2% | 90th |
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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