| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -22.9% | +4.4% | -27.2 pts |
| Deposit growth (YoY) | -35.1% | +4.0% | -39.1 pts |
| Loan growth (YoY) | -12.9% | +5.6% | -18.5 pts |
| ROA | 5.82% | 1.24% | +4.6 pts |
| ROE | 14.3% | 11.9% | +2.5 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $254.9M | $150.5M | $6.6M | $101.7M | $7.3M | 5.82% | 3.40% | 0.06% |
| Q1 2026 | $252.8M | $147.0M | $6.8M | $103.0M | $3.7M | 6.03% | 3.38% | 0.07% |
| Q4 2025 | $241.9M | $139.7M | $7.0M | $99.1M | $13.9M | 5.38% | 3.47% | 0.07% |
| Q3 2025 | $232.2M | $130.0M | $7.3M | $99.6M | $10.3M | 5.24% | 3.48% | 0.08% |
| Q2 2025 | $330.5M | $232.1M | $7.5M | $95.9M | $6.8M | 4.96% | 3.37% | 0.06% |
| Q1 2025 | $235.0M | $139.6M | $7.8M | $92.3M | $3.4M | 5.60% | 4.03% | 0.11% |
| Q4 2024 | $252.0M | $154.0M | $7.9M | $95.0M | $9.7M | 4.54% | 4.41% | 0.10% |
| Q3 2024 | $202.8M | $109.2M | $8.3M | $91.0M | $7.5M | 4.92% | 4.69% | 0.22% |
Loan mix (Q2 2026): real estate $6.6M · commercial $0 · consumer $0 · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 5.82% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 22.8% | 62.9% | 0th |
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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