| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.0% | -0.9 pts |
| Deposit growth (YoY) | +2.3% | +2.5% | -0.2 pts |
| Loan growth (YoY) | +6.0% | +2.6% | +3.4 pts |
| ROA | 0.42% | 0.99% | -0.6 pts |
| ROE | 1.4% | 8.1% | -6.6 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.9M | $47.0M | $46.8M | $19.7M | $140K | 0.42% | 3.66% | 0.91% |
| Q1 2026 | $66.2M | $45.4M | $44.6M | $19.6M | $42K | 0.25% | 3.64% | 1.71% |
| Q4 2025 | $66.0M | $45.4M | $43.9M | $19.5M | $42K | 0.06% | 3.55% | 1.08% |
| Q3 2025 | $66.5M | $45.8M | $43.6M | $19.5M | $35K | 0.07% | 3.52% | 1.56% |
| Q2 2025 | $66.5M | $45.9M | $44.2M | $19.5M | $-43K | -0.13% | 3.42% | 1.50% |
| Q1 2025 | $64.5M | $43.8M | $42.8M | $19.5M | $-18K | -0.11% | 3.49% | 0.98% |
| Q4 2024 | $63.2M | $42.6M | $44.4M | $19.5M | $21K | 0.03% | 3.84% | 1.24% |
| Q3 2024 | $64.3M | $41.5M | $44.4M | $19.5M | $29K | 0.06% | 3.93% | 1.05% |
Loan mix (Q2 2026): real estate $47.1M · commercial $0 · consumer $83K · securities $3.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.99% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 8.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 70.8% | 79th |
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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