| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.2% | +4.4% | +11.9 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +16.9% | +5.6% | +11.3 pts |
| ROA | -0.04% | 1.24% | -1.3 pts |
| ROE | -0.5% | 11.9% | -12.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.9M | $139.6M | $152.1M | $18.4M | $-40K | -0.04% | 3.89% | 0.00% |
| Q1 2026 | $182.5M | $139.6M | $148.4M | $15.7M | $-152K | -0.34% | 3.79% | 0.00% |
| Q4 2025 | $176.7M | $143.5M | $142.6M | $14.8M | $-606K | -0.39% | 3.80% | 0.00% |
| Q3 2025 | $156.5M | $132.0M | $126.8M | $14.9M | $-488K | -0.43% | 3.80% | 0.00% |
| Q2 2025 | $162.5M | $133.0M | $130.1M | $14.9M | $-503K | -0.68% | 3.69% | 0.00% |
| Q1 2025 | $153.8M | $132.1M | $122.3M | $15.1M | $-242K | -0.68% | 3.44% | 0.00% |
| Q4 2024 | $130.8M | $112.9M | $104.4M | $15.2M | $-4.5M | -5.40% | 4.00% | 0.00% |
| Q3 2024 | $97.0M | $75.8M | $77.3M | $16.1M | $-3.5M | -6.54% | 4.29% | 0.00% |
Loan mix (Q2 2026): real estate $132.6M · commercial $20.9M · consumer $0 · securities $2.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.3% | 62.9% | 98th |
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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