| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.4% | +4.4% | +10.1 pts |
| Deposit growth (YoY) | +19.9% | +4.0% | +16.0 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | -0.44% | 1.24% | -1.7 pts |
| ROE | -2.1% | 11.9% | -14.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.6M | $120.3M | $98.1M | $28.7M | $-311K | -0.44% | 4.17% | 0.77% |
| Q1 2026 | $144.0M | $112.5M | $101.6M | $28.9M | $-188K | -0.55% | 4.29% | 0.36% |
| Q4 2025 | $130.4M | $98.5M | $99.4M | $29.1M | $-839K | -0.67% | 4.90% | 0.41% |
| Q3 2025 | $130.6M | $98.6M | $98.2M | $28.9M | $-986K | -1.07% | 4.90% | 0.07% |
| Q2 2025 | $132.5M | $100.3M | $99.4M | $29.0M | $-895K | -1.48% | 4.87% | 0.07% |
| Q1 2025 | $126.4M | $93.6M | $94.9M | $29.2M | $-680K | -2.36% | 4.92% | 0.33% |
| Q4 2024 | $103.6M | $69.2M | $83.9M | $29.8M | $-5.3M | -6.21% | 5.47% | 0.09% |
| Q3 2024 | $88.0M | $52.8M | $67.1M | $32.3M | $-2.9M | -4.76% | 5.43% | 0.02% |
Loan mix (Q2 2026): real estate $70.7M · commercial $28.8M · consumer $353K · securities $4.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.44% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.4% | 62.9% | 98th |
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% |
The full ratio pack is part of CharterBench Pro.