| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.4% | -7.8 pts |
| Deposit growth (YoY) | -5.3% | +4.0% | -9.3 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.5 pts |
| ROA | 0.74% | 1.24% | -0.5 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.0M | $136.9M | $56.7M | $17.5M | $576K | 0.74% | 3.86% | 0.26% |
| Q1 2026 | $153.5M | $134.9M | $52.6M | $16.9M | $226K | 0.59% | 3.77% | 0.19% |
| Q4 2025 | $155.0M | $136.0M | $53.0M | $17.4M | $1.5M | 0.97% | 3.78% | 0.21% |
| Q3 2025 | $154.9M | $136.3M | $52.5M | $16.9M | $1.1M | 0.95% | 3.77% | 0.02% |
| Q2 2025 | $161.6M | $144.6M | $52.9M | $15.3M | $670K | 0.85% | 3.70% | 0.13% |
| Q1 2025 | $160.6M | $144.1M | $53.3M | $14.8M | $256K | 0.65% | 3.63% | 0.03% |
| Q4 2024 | $152.7M | $136.9M | $52.1M | $14.2M | $1.6M | 1.01% | 3.57% | 0.21% |
| Q3 2024 | $157.4M | $139.7M | $51.0M | $15.8M | $1.2M | 0.97% | 3.54% | 0.18% |
Loan mix (Q2 2026): real estate $37.3M · commercial $13.2M · consumer $5.1M · securities $54.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 62.9% | 88th |
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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