| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +5.5% | -6.2 pts |
| Deposit growth (YoY) | -2.4% | +5.1% | -7.5 pts |
| Loan growth (YoY) | +4.6% | +5.9% | -1.3 pts |
| ROA | 0.94% | 1.26% | -0.3 pts |
| ROE | 3.4% | 12.2% | -8.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.00B | $1.37B | $908.3M | $552.5M | $9.4M | 0.94% | 2.28% | 0.13% |
| Q1 2026 | $2.01B | $1.39B | $904.7M | $547.8M | $4.8M | 0.96% | 2.26% | 0.15% |
| Q4 2025 | $2.01B | $1.39B | $905.5M | $543.1M | $16.6M | 0.82% | 2.08% | 0.12% |
| Q3 2025 | $2.02B | $1.41B | $889.6M | $537.7M | $11.7M | 0.77% | 2.04% | 0.11% |
| Q2 2025 | $2.01B | $1.40B | $868.5M | $532.7M | $7.9M | 0.78% | 2.01% | 0.14% |
| Q1 2025 | $2.04B | $1.44B | $839.0M | $527.9M | $3.3M | 0.66% | 1.98% | 0.11% |
| Q4 2024 | $2.03B | $1.43B | $822.1M | $523.0M | $12.1M | 0.59% | 1.74% | 0.12% |
| Q3 2024 | $2.08B | $1.42B | $804.5M | $523.2M | $9.0M | 0.58% | 1.71% | 0.06% |
Loan mix (Q2 2026): real estate $912.9M · commercial $0 · consumer $547K · securities $860.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 59.0% | 29th |
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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