No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $897.1M | $516.4M | $137.1M | $11.2M | 2.10% | 3.79% | 1.48% |
| Q1 2026 | $1.07B | $895.7M | $524.1M | $136.4M | $5.4M | 2.04% | 3.76% | 1.59% |
| Q4 2025 | $1.06B | $873.4M | $521.8M | $135.8M | $21.8M | 2.10% | 3.65% | 1.63% |
| Q3 2025 | $1.04B | $866.9M | $506.8M | $129.2M | $15.8M | 2.04% | 3.62% | 1.44% |
| Q2 2025 | $1.04B | $877.0M | $510.9M | $115.7M | $9.4M | 1.82% | 3.52% | 1.54% |
| Q1 2025 | $1.03B | $888.4M | $507.9M | $114.4M | $4.3M | 1.66% | 3.43% | 1.53% |
| Q4 2024 | $1.02B | $854.2M | $497.5M | $112.9M | $18.4M | 1.80% | 3.32% | 0.97% |
| Q3 2024 | $1.03B | $864.5M | $489.4M | $119.5M | $13.6M | 1.77% | 3.27% | 0.97% |
Loan mix (Q2 2026): real estate $394.4M · commercial $69.3M · consumer $10.3M · securities $464.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 59.0% | 27th |
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% |
The full ratio pack is part of CharterBench Pro.