| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.9% | -6.8 pts |
| Deposit growth (YoY) | -1.9% | +4.3% | -6.2 pts |
| Loan growth (YoY) | +1.4% | +5.3% | -3.9 pts |
| ROA | 1.28% | 1.28% | -0.0 pts |
| ROE | 12.7% | 12.4% | +0.3 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $929.0M | $806.4M | $596.7M | $97.6M | $6.1M | 1.28% | 3.59% | 0.74% |
| Q1 2026 | $928.2M | $808.1M | $579.6M | $96.1M | $3.1M | 1.28% | 3.53% | 0.72% |
| Q4 2025 | $1.00B | $885.4M | $571.7M | $93.6M | $10.6M | 1.11% | 3.37% | 0.77% |
| Q3 2025 | $953.9M | $822.7M | $579.2M | $91.8M | $8.0M | 1.13% | 3.39% | 0.81% |
| Q2 2025 | $946.6M | $822.1M | $588.4M | $84.0M | $5.4M | 1.14% | 3.37% | 0.77% |
| Q1 2025 | $934.8M | $812.5M | $579.2M | $83.0M | $2.4M | 1.02% | 3.27% | 0.81% |
| Q4 2024 | $972.1M | $854.0M | $585.8M | $76.7M | $8.9M | 0.95% | 3.04% | 0.76% |
| Q3 2024 | $932.6M | $786.6M | $551.6M | $84.2M | $6.8M | 0.98% | 3.01% | 0.34% |
Loan mix (Q2 2026): real estate $510.1M · commercial $69.5M · consumer $12.6M · securities $220.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.4% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 61.2% | 31th |
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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