| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +4.4% | -11.2 pts |
| Deposit growth (YoY) | -4.7% | +4.0% | -8.6 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.1 pts |
| ROA | 0.28% | 1.24% | -1.0 pts |
| ROE | 2.7% | 11.9% | -9.2 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $164.4M | $134.2M | $114.9M | $17.2M | $231K | 0.28% | 3.37% | 0.00% |
| Q1 2026 | $167.6M | $128.1M | $114.0M | $16.9M | $44K | 0.11% | 3.35% | 0.00% |
| Q4 2025 | $167.2M | $132.0M | $112.0M | $17.4M | $400K | 0.23% | 3.49% | 0.00% |
| Q3 2025 | $176.3M | $146.5M | $114.1M | $16.6M | $-43K | -0.03% | 3.40% | 0.00% |
| Q2 2025 | $176.4M | $140.8M | $116.7M | $15.7M | $-178K | -0.20% | 3.23% | 0.00% |
| Q1 2025 | $169.2M | $140.0M | $110.5M | $15.6M | $-203K | -0.47% | 3.07% | 0.00% |
| Q4 2024 | $177.0M | $148.3M | $103.4M | $15.3M | $-25K | -0.01% | 2.84% | 0.00% |
| Q3 2024 | $180.2M | $132.7M | $96.7M | $16.2M | $53K | 0.04% | 2.81% | 0.00% |
Loan mix (Q2 2026): real estate $107.2M · commercial $9.3M · consumer $0 · securities $33.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 62.9% | 94th |
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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