| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +5.5% | -8.6 pts |
| Deposit growth (YoY) | -5.2% | +5.1% | -10.2 pts |
| Loan growth (YoY) | -1.0% | +5.9% | -7.0 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 8.2% | 12.2% | -3.9 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 | $1.44B | $1.21B | $1.06B | $208.5M | $8.4M | 1.15% | 3.63% | 0.35% |
| Q1 2026 | $1.46B | $1.22B | $1.07B | $203.3M | $4.0M | 1.09% | 3.56% | 0.58% |
| Q4 2025 | $1.47B | $1.26B | $1.07B | $199.8M | $4.8M | 0.32% | 3.12% | 0.46% |
| Q3 2025 | $1.54B | $1.33B | $1.08B | $196.3M | $7.4M | 0.66% | 3.03% | 0.51% |
| Q2 2025 | $1.48B | $1.28B | $1.07B | $191.9M | $5.4M | 0.73% | 3.01% | 0.53% |
| Q1 2025 | $1.47B | $1.27B | $1.08B | $188.3M | $3.0M | 0.82% | 2.97% | 0.59% |
| Q4 2024 | $1.50B | $1.31B | $1.08B | $181.4M | $5.7M | 0.36% | 2.53% | 0.43% |
| Q3 2024 | $1.58B | $1.30B | $1.08B | $183.5M | $3.8M | 0.32% | 2.49% | 0.04% |
Loan mix (Q2 2026): real estate $994.0M · commercial $49.9M · consumer $2.8M · securities $282.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 59.0% | 54th |
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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