| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 0.32% | 1.24% | -0.9 pts |
| ROE | 2.8% | 11.9% | -9.1 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.2M | $73.8M | $89.3M | $12.0M | $164K | 0.32% | 2.08% | 1.85% |
| Q1 2026 | $101.6M | $74.0M | $87.4M | $11.9M | $100K | 0.39% | 2.08% | 1.52% |
| Q4 2025 | $101.7M | $73.5M | $87.3M | $11.8M | $-96K | -0.10% | 1.58% | 1.45% |
| Q3 2025 | $99.6M | $73.4M | $85.5M | $11.8M | $-155K | -0.21% | 1.50% | 1.64% |
| Q2 2025 | $98.9M | $72.7M | $85.4M | $11.9M | $1K | 0.00% | 1.49% | 1.37% |
| Q1 2025 | $99.0M | $72.9M | $85.0M | $11.8M | $-17K | -0.07% | 1.43% | 1.43% |
| Q4 2024 | $99.8M | $75.8M | $85.3M | $11.8M | $-532K | -0.52% | 1.05% | 1.43% |
| Q3 2024 | $101.1M | $76.2M | $87.1M | $12.0M | $-412K | -0.53% | 1.00% | 1.66% |
Loan mix (Q2 2026): real estate $89.4M · commercial $0 · consumer $638K · securities $4.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 62.9% | 89th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $73.8M branch deposits. Biggest market: Hancock, ME, ranked 8th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hancock, ME | 1 | $73.8M | 2.29% | 8th |
Maine: 69th with 0.13% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (13 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).