| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +4.1% | +2.5% | +1.6 pts |
| Loan growth (YoY) | +7.1% | +2.6% | +4.5 pts |
| ROA | 0.15% | 0.99% | -0.8 pts |
| ROE | 1.3% | 8.1% | -6.8 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.4M | $56.0M | $47.6M | $8.2M | $54K | 0.15% | 2.55% | 1.44% |
| Q1 2026 | $70.5M | $55.3M | $47.5M | $8.2M | $25K | 0.14% | 2.56% | 1.16% |
| Q4 2025 | $71.2M | $51.3M | $48.3M | $8.1M | $69K | 0.10% | 2.64% | 0.52% |
| Q3 2025 | $68.8M | $51.3M | $45.5M | $8.1M | $16K | 0.03% | 2.53% | 0.12% |
| Q2 2025 | $68.8M | $53.8M | $44.5M | $8.1M | $3K | 0.01% | 2.53% | 0.55% |
| Q1 2025 | $68.1M | $50.3M | $43.6M | $8.1M | $-8K | -0.05% | 2.38% | 0.50% |
| Q4 2024 | $67.0M | $50.8M | $43.1M | $8.1M | $33K | 0.05% | 2.14% | 0.39% |
| Q3 2024 | $64.2M | $53.9M | $38.5M | $8.1M | $27K | 0.06% | 1.99% | 0.39% |
Loan mix (Q2 2026): real estate $47.9M · commercial $0 · consumer $167K · securities $18.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.99% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 8.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 70.8% | 82th |
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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