| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.0% | -1.5 pts |
| Deposit growth (YoY) | +2.2% | +2.5% | -0.3 pts |
| Loan growth (YoY) | +25.8% | +2.6% | +23.1 pts |
| ROA | 0.91% | 0.99% | -0.1 pts |
| ROE | 4.6% | 8.1% | -3.4 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.9M | $45.1M | $34.5M | $11.3M | $260K | 0.91% | 3.53% | 0.00% |
| Q1 2026 | $57.0M | $45.3M | $30.7M | $11.2M | $99K | 0.69% | 3.32% | 0.00% |
| Q4 2025 | $57.4M | $45.8M | $30.3M | $11.1M | $384K | 0.68% | 3.37% | 0.00% |
| Q3 2025 | $58.2M | $46.6M | $31.2M | $11.0M | $267K | 0.63% | 3.27% | 0.00% |
| Q2 2025 | $56.1M | $44.2M | $27.4M | $10.8M | $140K | 0.50% | 3.11% | 0.00% |
| Q1 2025 | $55.5M | $43.8M | $27.8M | $10.7M | $51K | 0.37% | 2.96% | 0.00% |
| Q4 2024 | $55.8M | $44.1M | $27.8M | $10.6M | $144K | 0.26% | 2.87% | 0.00% |
| Q3 2024 | $57.0M | $45.3M | $29.2M | $10.5M | $99K | 0.23% | 2.79% | 0.00% |
Loan mix (Q2 2026): real estate $35.1M · commercial $0 · consumer $0 · securities $3.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.99% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 8.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 70.8% | 49th |
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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