| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.0% | -6.4 pts |
| Deposit growth (YoY) | -5.1% | +2.5% | -7.6 pts |
| Loan growth (YoY) | -1.2% | +2.6% | -3.8 pts |
| ROA | 1.46% | 0.99% | +0.5 pts |
| ROE | 16.4% | 8.1% | +8.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.8M | $73.9M | $41.7M | $7.4M | $592K | 1.46% | 3.71% | 0.00% |
| Q1 2026 | $81.2M | $73.8M | $40.8M | $6.9M | $226K | 1.12% | 3.61% | 0.00% |
| Q4 2025 | $80.8M | $73.2M | $43.4M | $7.3M | $1.2M | 1.45% | 3.68% | 0.00% |
| Q3 2025 | $82.0M | $74.6M | $44.5M | $7.0M | $894K | 1.46% | 3.59% | 0.03% |
| Q2 2025 | $84.7M | $77.9M | $42.3M | $6.4M | $558K | 1.37% | 3.47% | 0.00% |
| Q1 2025 | $81.5M | $75.3M | $40.0M | $5.8M | $227K | 1.13% | 3.24% | 0.06% |
| Q4 2024 | $78.7M | $72.6M | $39.7M | $5.7M | $881K | 1.17% | 3.49% | 0.00% |
| Q3 2024 | $75.7M | $69.2M | $40.5M | $6.2M | $676K | 1.21% | 3.51% | 0.72% |
Loan mix (Q2 2026): real estate $20.7M · commercial $7.9M · consumer $4.9M · securities $20.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.99% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 8.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 70.8% | 30th |
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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