| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.2% | +4.4% | -16.6 pts |
| Deposit growth (YoY) | -15.4% | +4.0% | -19.3 pts |
| Loan growth (YoY) | +0.0% | +5.6% | -5.6 pts |
| ROA | 0.69% | 1.24% | -0.6 pts |
| ROE | 4.3% | 11.9% | -7.5 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $152.6M | $125.2M | $84.2M | $25.5M | $549K | 0.69% | 2.45% | 0.00% |
| Q1 2026 | $158.8M | $131.0M | $83.9M | $25.6M | $368K | 0.90% | 2.37% | 0.00% |
| Q4 2025 | $168.9M | $141.6M | $82.5M | $25.2M | $1.3M | 0.76% | 2.32% | 0.00% |
| Q3 2025 | $167.4M | $141.2M | $82.1M | $24.8M | $872K | 0.67% | 2.23% | 0.00% |
| Q2 2025 | $173.8M | $147.9M | $84.2M | $24.5M | $588K | 0.67% | 2.17% | 0.00% |
| Q1 2025 | $173.4M | $147.9M | $82.4M | $24.1M | $175K | 0.39% | 1.94% | 0.00% |
| Q4 2024 | $181.3M | $156.0M | $83.2M | $23.9M | $1.2M | 0.66% | 2.16% | 0.00% |
| Q3 2024 | $183.1M | $157.8M | $82.4M | $23.6M | $898K | 0.68% | 2.12% | 0.00% |
Loan mix (Q2 2026): real estate $85.6M · commercial $298K · consumer $825K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 62.9% | 53th |
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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