| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +5.5% | -6.4 pts |
| Deposit growth (YoY) | -0.0% | +5.1% | -5.1 pts |
| Loan growth (YoY) | -3.4% | +5.9% | -9.3 pts |
| ROA | 0.87% | 1.26% | -0.4 pts |
| ROE | 7.3% | 12.2% | -4.8 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.31B | $1.00B | $970.9M | $156.6M | $5.7M | 0.87% | 3.71% | 0.35% |
| Q1 2026 | $1.31B | $1.01B | $982.4M | $153.8M | $2.4M | 0.73% | 3.59% | 0.87% |
| Q4 2025 | $1.30B | $992.6M | $985.7M | $152.2M | $9.6M | 0.73% | 3.48% | 0.58% |
| Q3 2025 | $1.33B | $1.02B | $995.3M | $149.4M | $7.5M | 0.76% | 3.42% | 0.67% |
| Q2 2025 | $1.32B | $1.00B | $1.01B | $145.2M | $4.7M | 0.72% | 3.33% | 0.73% |
| Q1 2025 | $1.30B | $988.4M | $995.6M | $141.7M | $2.3M | 0.72% | 3.22% | 0.31% |
| Q4 2024 | $1.30B | $980.9M | $999.2M | $137.1M | $6.8M | 0.54% | 3.17% | 0.18% |
| Q3 2024 | $1.26B | $975.5M | $967.3M | $138.5M | $5.0M | 0.54% | 3.14% | 0.25% |
Loan mix (Q2 2026): real estate $914.6M · commercial $55.2M · consumer $2.0M · securities $235.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.26% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 59.0% | 79th |
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.
7 branches in 1 county across 1 state (+0 vs 2024) · $1.00B branch deposits. Biggest market: Worcester, MA, ranked 8th with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Worcester, MA | 7 | $1.00B | 3.57% | 8th |
Massachusetts: 59th with 0.16% · Worcester metro: 8th, 3.57% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7