| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.9% | -3.8 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +2.8% | +5.3% | -2.5 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 6.0% | 12.4% | -6.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $646.5M | $509.2M | $549.3M | $122.7M | $3.6M | 1.13% | 3.82% | 0.10% |
| Q1 2026 | $649.4M | $512.7M | $540.7M | $121.1M | $1.7M | 1.08% | 3.73% | 0.31% |
| Q4 2025 | $637.4M | $502.2M | $531.7M | $119.7M | $4.8M | 0.76% | 3.23% | 0.31% |
| Q3 2025 | $632.2M | $495.0M | $524.8M | $117.2M | $3.2M | 0.68% | 3.12% | 0.33% |
| Q2 2025 | $639.5M | $497.8M | $534.3M | $115.8M | $1.8M | 0.58% | 2.94% | 0.43% |
| Q1 2025 | $630.4M | $500.7M | $516.3M | $114.4M | $784K | 0.50% | 2.79% | 0.42% |
| Q4 2024 | $623.0M | $494.4M | $511.7M | $113.2M | $1.5M | 0.25% | 2.51% | 0.34% |
| Q3 2024 | $612.6M | $456.4M | $491.6M | $112.2M | $931K | 0.21% | 2.44% | 0.36% |
Loan mix (Q2 2026): real estate $546.8M · commercial $9.7M · consumer $0 · securities $69.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 61.2% | 38th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $497.8M branch deposits. Biggest market: Norfolk, MA, ranked 16th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk, MA | 1 | $497.8M | 1.15% | 16th |
Massachusetts: 94th with 0.08% · Boston-Cambridge-Newton metro: 65th, 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1