| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -2.9% | +4.0% | -6.8 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.4 pts |
| ROA | 0.27% | 1.24% | -1.0 pts |
| ROE | 1.5% | 11.9% | -10.4 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $320.7M | $257.9M | $242.0M | $57.2M | $423K | 0.27% | 4.50% | 0.42% |
| Q1 2026 | $319.3M | $257.6M | $245.6M | $57.0M | $190K | 0.24% | 4.43% | 0.53% |
| Q4 2025 | $316.1M | $254.3M | $250.7M | $56.8M | $1.2M | 0.36% | 4.43% | 0.43% |
| Q3 2025 | $329.6M | $267.1M | $245.7M | $56.6M | $1.0M | 0.42% | 4.38% | 0.63% |
| Q2 2025 | $327.9M | $265.5M | $246.6M | $56.4M | $779K | 0.48% | 4.42% | 0.52% |
| Q1 2025 | $325.4M | $263.6M | $251.7M | $56.0M | $382K | 0.47% | 4.36% | 0.41% |
| Q4 2024 | $319.7M | $258.0M | $255.6M | $55.6M | $2.0M | 0.63% | 4.49% | 0.61% |
| Q3 2024 | $320.4M | $260.0M | $258.8M | $54.8M | $1.2M | 0.50% | 4.40% | 0.52% |
Loan mix (Q2 2026): real estate $245.7M · commercial $6K · consumer $67K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 62.9% | 95th |
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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