| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 0.29% | 1.24% | -0.9 pts |
| ROE | 4.5% | 11.9% | -7.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $207.6M | $173.4M | $92.7M | $13.4M | $299K | 0.29% | 2.55% | 0.28% |
| Q1 2026 | $207.7M | $179.5M | $89.6M | $13.4M | $182K | 0.35% | 2.69% | 0.29% |
| Q4 2025 | $205.2M | $177.6M | $92.1M | $13.5M | $663K | 0.32% | 2.42% | 0.18% |
| Q3 2025 | $207.1M | $170.5M | $87.8M | $13.3M | $468K | 0.30% | 2.38% | 0.29% |
| Q2 2025 | $206.6M | $174.9M | $84.7M | $12.4M | $462K | 0.44% | 2.44% | 0.10% |
| Q1 2025 | $210.8M | $184.6M | $73.7M | $11.8M | $277K | 0.53% | 2.43% | 0.17% |
| Q4 2024 | $209.9M | $184.5M | $78.3M | $10.6M | $584K | 0.28% | 2.17% | 0.13% |
| Q3 2024 | $206.6M | $179.1M | $72.3M | $11.3M | $496K | 0.32% | 2.16% | 0.14% |
Loan mix (Q2 2026): real estate $64.8M · commercial $8.2M · consumer $2.5M · securities $93.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 62.9% | 92th |
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.