| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +3.0% | +6.8 pts |
| Deposit growth (YoY) | +13.6% | +2.5% | +11.1 pts |
| Loan growth (YoY) | +9.7% | +2.6% | +7.1 pts |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 1.8% | 8.1% | -6.3 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.5M | $40.6M | $44.6M | $9.4M | $84K | 0.29% | 2.83% | 0.00% |
| Q1 2026 | $57.8M | $40.0M | $41.9M | $9.3M | $38K | 0.26% | 2.75% | 0.00% |
| Q4 2025 | $57.5M | $39.6M | $40.6M | $9.2M | $133K | 0.24% | 2.79% | 0.00% |
| Q3 2025 | $56.2M | $38.5M | $41.4M | $9.2M | $99K | 0.24% | 2.80% | 0.00% |
| Q2 2025 | $53.3M | $35.7M | $40.7M | $9.1M | $65K | 0.24% | 2.76% | 0.00% |
| Q1 2025 | $54.5M | $36.9M | $40.4M | $9.1M | $34K | 0.25% | 2.72% | 0.00% |
| Q4 2024 | $53.1M | $35.6M | $39.9M | $9.1M | $103K | 0.20% | 2.66% | 0.00% |
| Q3 2024 | $52.9M | $35.4M | $40.9M | $9.0M | $68K | 0.17% | 2.63% | 0.00% |
Loan mix (Q2 2026): real estate $41.2M · commercial $3.5M · consumer $338K · securities $4.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 8.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 70.8% | 74th |
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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