| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.0% | -1.3 pts |
| Deposit growth (YoY) | +3.3% | +2.5% | +0.8 pts |
| Loan growth (YoY) | +8.2% | +2.6% | +5.6 pts |
| ROA | 0.48% | 0.99% | -0.5 pts |
| ROE | 5.4% | 8.1% | -2.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.5M | $53.1M | $51.7M | $6.3M | $167K | 0.48% | 3.53% | 0.65% |
| Q1 2026 | $69.5M | $51.3M | $49.1M | $6.2M | $70K | 0.40% | 3.51% | 0.34% |
| Q4 2025 | $69.2M | $51.3M | $49.6M | $6.1M | $280K | 0.40% | 3.32% | 0.84% |
| Q3 2025 | $68.9M | $51.4M | $49.5M | $6.0M | $192K | 0.37% | 3.26% | 0.70% |
| Q2 2025 | $70.3M | $51.4M | $47.8M | $6.0M | $128K | 0.37% | 3.19% | 0.26% |
| Q1 2025 | $69.1M | $50.7M | $47.5M | $5.9M | $52K | 0.30% | 3.02% | 0.85% |
| Q4 2024 | $69.3M | $49.3M | $47.5M | $5.9M | $201K | 0.29% | 2.97% | 0.36% |
| Q3 2024 | $69.8M | $49.2M | $47.1M | $5.8M | $140K | 0.26% | 2.93% | 0.64% |
Loan mix (Q2 2026): real estate $39.8M · commercial $7.6M · consumer $4.8M · securities $9.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.99% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 8.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 70.8% | 71th |
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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