| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.9% | -3.0 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| Loan growth (YoY) | +4.4% | +5.3% | -1.0 pts |
| ROA | 2.61% | 1.28% | +1.3 pts |
| ROE | 39.0% | 12.4% | +26.6 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $818.4M | $727.6M | $544.3M | $56.2M | $10.9M | 2.61% | 4.49% | 0.18% |
| Q1 2026 | $847.3M | $748.1M | $528.0M | $54.8M | $5.3M | 2.50% | 4.35% | 0.16% |
| Q4 2025 | $844.5M | $750.2M | $522.2M | $56.8M | $21.7M | 2.64% | 4.51% | 0.10% |
| Q3 2025 | $808.9M | $724.9M | $515.9M | $48.6M | $16.4M | 2.69% | 4.50% | 0.07% |
| Q2 2025 | $802.9M | $719.8M | $521.6M | $43.4M | $10.7M | 2.62% | 4.45% | 0.03% |
| Q1 2025 | $854.4M | $777.0M | $517.6M | $41.1M | $4.9M | 2.37% | 4.19% | 0.01% |
| Q4 2024 | $786.7M | $700.7M | $512.5M | $38.4M | $19.3M | 2.52% | 4.33% | 0.02% |
| Q3 2024 | $787.0M | $691.2M | $504.5M | $41.0M | $14.0M | 2.44% | 4.29% | 0.29% |
Loan mix (Q2 2026): real estate $472.0M · commercial $52.4M · consumer $14.8M · securities $218.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.61% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 39.0% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 61.2% | 12th |
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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