| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -11.1% | +4.0% | -15.0 pts |
| Loan growth (YoY) | -0.0% | +5.6% | -5.6 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 9.5% | 11.9% | -2.4 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 | $480.9M | $387.8M | $327.3M | $40.3M | $1.8M | 0.78% | 3.28% | 0.59% |
| Q1 2026 | $464.9M | $399.8M | $320.3M | $39.1M | $813K | 0.70% | 3.22% | 0.38% |
| Q4 2025 | $467.9M | $417.7M | $317.5M | $37.6M | $2.1M | 0.43% | 3.11% | 0.03% |
| Q3 2025 | $511.2M | $409.4M | $325.7M | $34.9M | $1.5M | 0.40% | 3.09% | 0.37% |
| Q2 2025 | $483.6M | $435.9M | $327.4M | $36.2M | $575K | 0.23% | 3.07% | 0.51% |
| Q1 2025 | $501.1M | $435.0M | $330.9M | $35.1M | $72K | 0.06% | 2.99% | 0.25% |
| Q4 2024 | $520.1M | $470.6M | $335.6M | $34.6M | $2.0M | 0.38% | 2.99% | 0.15% |
| Q3 2024 | $520.3M | $458.1M | $358.2M | $35.0M | $2.0M | 0.50% | 2.96% | 0.14% |
Loan mix (Q2 2026): real estate $264.1M · commercial $61.1M · consumer $4.9M · securities $102.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 62.9% | 83th |
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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