| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.9% | +2.5 pts |
| Deposit growth (YoY) | +8.5% | +4.3% | +4.2 pts |
| Loan growth (YoY) | +6.8% | +5.3% | +1.4 pts |
| ROA | 0.61% | 1.28% | -0.7 pts |
| ROE | 5.2% | 12.4% | -7.2 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $946.9M | $773.8M | $693.4M | $110.0M | $2.8M | 0.61% | 2.30% | 0.31% |
| Q1 2026 | $931.7M | $759.8M | $682.0M | $108.6M | $1.4M | 0.63% | 2.30% | 0.35% |
| Q4 2025 | $907.4M | $736.9M | $677.3M | $107.1M | $4.1M | 0.47% | 2.06% | 0.45% |
| Q3 2025 | $890.4M | $720.9M | $666.9M | $105.9M | $2.9M | 0.44% | 2.03% | 0.61% |
| Q2 2025 | $881.3M | $713.3M | $649.4M | $104.9M | $1.9M | 0.43% | 1.99% | 0.53% |
| Q1 2025 | $873.6M | $706.6M | $639.6M | $103.8M | $756K | 0.35% | 1.93% | 0.36% |
| Q4 2024 | $852.1M | $686.2M | $636.2M | $103.0M | $1.3M | 0.16% | 1.71% | 0.40% |
| Q3 2024 | $840.8M | $675.5M | $628.5M | $102.4M | $726K | 0.12% | 1.68% | 0.42% |
Loan mix (Q2 2026): real estate $694.4M · commercial $648K · consumer $817K · securities $98.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 12.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 61.2% | 65th |
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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