| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +5.5% | -12.2 pts |
| Deposit growth (YoY) | -6.4% | +5.1% | -11.4 pts |
| Loan growth (YoY) | -11.1% | +5.9% | -17.0 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 5.3% | 12.2% | -6.9 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.77B | $6.93B | $4.73B | $1.68B | $43.5M | 0.97% | 1.63% | 0.52% |
| Q1 2026 | $9.03B | $7.24B | $4.89B | $1.64B | $22.4M | 1.00% | 1.64% | 0.47% |
| Q4 2025 | $9.01B | $7.25B | $5.04B | $1.60B | $84.1M | 0.87% | 1.58% | 0.46% |
| Q3 2025 | $9.29B | $7.56B | $5.18B | $1.57B | $63.0M | 0.85% | 1.57% | 0.51% |
| Q2 2025 | $9.41B | $7.41B | $5.32B | $1.54B | $42.6M | 0.85% | 1.56% | 0.46% |
| Q1 2025 | $10.22B | $8.42B | $5.50B | $1.52B | $20.3M | 0.79% | 1.54% | 0.41% |
| Q4 2024 | $10.46B | $8.76B | $5.64B | $1.51B | $97.6M | 0.80% | 1.45% | 0.45% |
| Q3 2024 | $10.34B | $8.71B | $5.78B | $1.43B | $70.1M | 0.74% | 1.44% | 0.44% |
Loan mix (Q2 2026): real estate $4.75B · commercial $0 · consumer $0 · securities $2.13B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 23.4% | 59.0% | 1th |
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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