| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.1 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.9M | $115.9M | $75.4M | $10.4M | $457K | 0.75% | 5.06% | 1.69% |
| Q1 2026 | $122.3M | $111.7M | $75.0M | $10.3M | $215K | 0.72% | 4.89% | 1.67% |
| Q4 2025 | $116.4M | $105.4M | $74.2M | $10.1M | $707K | 0.61% | 4.64% | 1.32% |
| Q3 2025 | $116.7M | $105.9M | $70.9M | $10.2M | $495K | 0.56% | 4.54% | 1.16% |
| Q2 2025 | $122.7M | $112.7M | $74.3M | $9.6M | $271K | 0.46% | 4.40% | 1.03% |
| Q1 2025 | $118.9M | $109.3M | $72.7M | $9.3M | $66K | 0.23% | 4.24% | 1.94% |
| Q4 2024 | $109.6M | $99.7M | $73.6M | $8.9M | $503K | 0.46% | 4.13% | 1.92% |
| Q3 2024 | $111.1M | $100.7M | $71.8M | $9.8M | $428K | 0.52% | 4.03% | 1.36% |
Loan mix (Q2 2026): real estate $59.7M · commercial $8.5M · consumer $5.8M · securities $28.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 62.9% | 80th |
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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