No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.8M | $193.3M | $193.7M | $29.1M | $2.7M | 2.14% | 4.53% | 0.26% |
| Q1 2026 | $256.6M | $207.3M | $199.1M | $29.6M | $1.2M | 1.93% | 4.40% | 0.24% |
| Q4 2025 | $251.9M | $202.3M | $212.3M | $29.3M | $4.5M | 1.87% | 4.40% | 0.25% |
| Q3 2025 | $243.0M | $196.5M | $204.4M | $27.8M | $3.1M | 1.74% | 4.34% | 0.26% |
| Q2 2025 | $233.9M | $182.8M | $200.9M | $27.3M | $2.0M | 1.64% | 4.28% | 0.28% |
| Q1 2025 | $239.6M | $188.7M | $196.3M | $27.9M | $937K | 1.55% | 4.15% | 0.28% |
| Q4 2024 | $245.2M | $192.3M | $193.6M | $28.9M | $5.4M | 2.39% | 4.00% | 0.28% |
| Q3 2024 | $229.6M | $180.8M | $181.2M | $28.2M | $4.3M | 2.59% | 4.03% | 0.30% |
Loan mix (Q2 2026): real estate $165.7M · commercial $25.5M · consumer $368K · securities $19.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
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% |
The full ratio pack is part of CharterBench Pro.