| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.8 pts |
| Loan growth (YoY) | -5.4% | +5.6% | -11.0 pts |
| ROA | 0.46% | 1.24% | -0.8 pts |
| ROE | 4.3% | 11.9% | -7.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.7M | $103.5M | $21.4M | $12.4M | $265K | 0.46% | 2.63% | 0.00% |
| Q1 2026 | $116.2M | $101.1M | $22.4M | $12.3M | $170K | 0.59% | 2.63% | 0.00% |
| Q4 2025 | $112.3M | $97.2M | $23.0M | $12.3M | $829K | 0.74% | 2.63% | 0.00% |
| Q3 2025 | $109.9M | $94.7M | $22.4M | $12.1M | $658K | 0.78% | 2.62% | 0.01% |
| Q2 2025 | $112.3M | $97.9M | $22.7M | $11.5M | $393K | 0.70% | 2.55% | 0.00% |
| Q1 2025 | $114.1M | $100.0M | $21.7M | $11.2M | $137K | 0.49% | 2.46% | 0.00% |
| Q4 2024 | $111.3M | $98.0M | $21.5M | $10.6M | $636K | 0.59% | 2.51% | 0.00% |
| Q3 2024 | $106.2M | $92.2M | $20.5M | $11.4M | $505K | 0.63% | 2.49% | 0.00% |
Loan mix (Q2 2026): real estate $13.4M · commercial $1.8M · consumer $1.2M · securities $77.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 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 |
|---|---|---|---|---|
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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