| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 8.5% | 11.9% | -3.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $214.0M | $185.0M | $164.0M | $21.2M | $883K | 0.85% | 3.25% | 0.53% |
| Q1 2026 | $204.3M | $176.7M | $151.8M | $20.7M | $461K | 0.90% | 3.20% | 0.40% |
| Q4 2025 | $203.9M | $178.5M | $147.3M | $20.3M | $1.3M | 0.65% | 2.92% | 0.48% |
| Q3 2025 | $202.9M | $178.1M | $144.3M | $20.0M | $905K | 0.60% | 2.84% | 0.53% |
| Q2 2025 | $200.8M | $176.9M | $139.5M | $19.2M | $541K | 0.54% | 2.76% | 0.38% |
| Q1 2025 | $199.0M | $176.5M | $135.5M | $18.8M | $306K | 0.61% | 2.67% | 0.27% |
| Q4 2024 | $203.0M | $178.2M | $134.2M | $18.1M | $697K | 0.36% | 2.29% | 0.35% |
| Q3 2024 | $194.9M | $169.6M | $134.6M | $18.3M | $437K | 0.31% | 2.17% | 0.39% |
Loan mix (Q2 2026): real estate $98.5M · commercial $40.9M · consumer $24.4M · securities $35.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 69th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
2 branches in 1 county across 1 state (+0 vs 2025) · $185.0M branch deposits. Biggest market: Aroostook, ME, ranked 7th with 8.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Aroostook, ME | 2 | $185.0M | 7.99% | 7th |
Maine: 48th with 0.32% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2