| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +4.4% | -8.1 pts |
| Deposit growth (YoY) | -5.6% | +4.0% | -9.5 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.4 pts |
| ROA | 0.41% | 1.24% | -0.8 pts |
| ROE | 3.0% | 11.9% | -8.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.8M | $127.2M | $107.4M | $21.5M | $321K | 0.41% | 3.08% | 0.05% |
| Q1 2026 | $153.8M | $126.6M | $103.6M | $21.2M | $111K | 0.28% | 2.90% | 0.05% |
| Q4 2025 | $159.0M | $131.7M | $103.0M | $21.3M | $346K | 0.22% | 2.77% | 0.17% |
| Q3 2025 | $160.7M | $133.9M | $103.3M | $20.9M | $175K | 0.15% | 2.72% | 0.51% |
| Q2 2025 | $160.8M | $134.7M | $99.4M | $20.2M | $30K | 0.04% | 2.63% | 0.47% |
| Q1 2025 | $160.3M | $134.4M | $98.1M | $20.1M | $-41K | -0.10% | 2.54% | 0.00% |
| Q4 2024 | $159.5M | $133.9M | $94.8M | $19.8M | $391K | 0.25% | 2.85% | 0.16% |
| Q3 2024 | $157.5M | $131.2M | $93.1M | $20.5M | $292K | 0.25% | 2.89% | 0.59% |
Loan mix (Q2 2026): real estate $104.3M · commercial $285K · consumer $3.5M · securities $31.9M
| Ratio | Canton Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 62.9% | 87th |
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 | Canton Co-operative Bank | 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 | Canton Co-operative Bank | 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 | Canton Co-operative Bank | 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 | Canton Co-operative Bank | 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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