| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | -8.2% | +4.3% | -12.5 pts |
| Loan growth (YoY) | -20.7% | +5.3% | -26.0 pts |
| ROA | 1.78% | 1.28% | +0.5 pts |
| ROE | 2.0% | 12.4% | -10.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $772.1M | $4.9M | $23.4M | $681.2M | $6.8M | 1.78% | 8.03% | 0.21% |
| Q1 2026 | $759.5M | $5.0M | $25.0M | $673.1M | $302K | 0.16% | 7.94% | 0.22% |
| Q4 2025 | $772.8M | $5.1M | $26.6M | $669.4M | $59.0M | 7.95% | 8.04% | 0.21% |
| Q3 2025 | $781.2M | $5.2M | $27.7M | $665.1M | $56.1M | 10.20% | 8.03% | 0.21% |
| Q2 2025 | $734.5M | $5.4M | $29.5M | $633.7M | $25.8M | 7.19% | 7.91% | 0.20% |
| Q1 2025 | $709.7M | $5.7M | $31.6M | $615.4M | $9.0M | 5.04% | 7.85% | 0.24% |
| Q4 2024 | $711.0M | $5.8M | $33.3M | $603.4M | $43.6M | 6.25% | 8.32% | 0.29% |
| Q3 2024 | $717.3M | $5.8M | $35.5M | $620.4M | $31.8M | 6.10% | 8.30% | 0.28% |
Loan mix (Q2 2026): real estate $23.8M · commercial $0 · consumer $0 · securities $1.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 61.2% | 97th |
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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