| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +12.8% | +4.0% | +8.9 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.8 pts |
| ROA | 0.16% | 1.24% | -1.1 pts |
| ROE | 1.7% | 11.9% | -10.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $311.1M | $251.2M | $238.0M | $29.8M | $246K | 0.16% | 3.50% | 0.00% |
| Q1 2026 | $302.3M | $239.1M | $241.4M | $29.6M | $56K | 0.07% | 3.49% | 0.05% |
| Q4 2025 | $300.9M | $237.2M | $241.8M | $29.5M | $185K | 0.06% | 3.37% | 0.05% |
| Q3 2025 | $305.2M | $238.8M | $240.7M | $29.4M | $47K | 0.02% | 3.29% | 0.03% |
| Q2 2025 | $303.6M | $222.6M | $238.6M | $29.4M | $20K | 0.01% | 3.22% | 0.03% |
| Q1 2025 | $310.6M | $225.6M | $239.4M | $29.3M | $-7K | -0.01% | 3.15% | 0.08% |
| Q4 2024 | $302.7M | $223.0M | $237.8M | $29.3M | $-273K | -0.09% | 3.17% | 0.08% |
| Q3 2024 | $301.8M | $219.4M | $236.4M | $29.3M | $-278K | -0.12% | 3.13% | 0.25% |
Loan mix (Q2 2026): real estate $238.9M · commercial $434K · consumer $116K · securities $24.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 62.9% | 96th |
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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