| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +3.0% | -4.0 pts |
| Deposit growth (YoY) | +1.1% | +2.5% | -1.4 pts |
| Loan growth (YoY) | +5.5% | +2.6% | +2.9 pts |
| ROA | 0.27% | 0.99% | -0.7 pts |
| ROE | 2.1% | 8.1% | -5.9 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.1M | $82.7M | $65.6M | $11.9M | $127K | 0.27% | 1.57% | 0.75% |
| Q1 2026 | $96.2M | $83.9M | $63.8M | $11.9M | $32K | 0.13% | 1.48% | 0.69% |
| Q4 2025 | $95.5M | $83.2M | $64.1M | $11.8M | $72K | 0.07% | 1.13% | 0.70% |
| Q3 2025 | $97.2M | $82.9M | $64.7M | $11.8M | $73K | 0.10% | 1.09% | 0.68% |
| Q2 2025 | $96.0M | $81.8M | $62.2M | $11.8M | $13K | 0.03% | 0.99% | 0.69% |
| Q1 2025 | $96.8M | $81.6M | $60.1M | $11.7M | $-20K | -0.08% | 0.85% | 0.72% |
| Q4 2024 | $97.6M | $80.1M | $59.7M | $11.8M | $-319K | -0.34% | 0.75% | 0.67% |
| Q3 2024 | $95.8M | $78.2M | $59.1M | $11.9M | $-216K | -0.31% | 0.72% | 0.70% |
Loan mix (Q2 2026): real estate $65.5M · commercial $0 · consumer $657K · securities $24.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.99% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 70.8% | 66th |
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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