No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.2M | $93.1M | $46.5M | $16.9M | $573K | 1.00% | 4.36% | 0.19% |
| Q1 2026 | $115.2M | $97.2M | $44.2M | $16.7M | $189K | 0.65% | 3.95% | 0.48% |
| Q4 2025 | $117.1M | $98.1M | $44.6M | $16.7M | $537K | 0.48% | 4.36% | 0.45% |
| Q3 2025 | $113.2M | $93.4M | $45.2M | $17.9M | $1.2M | 1.50% | 4.38% | 0.67% |
| Q2 2025 | $109.8M | $90.8M | $44.9M | $17.1M | $710K | 1.31% | 4.36% | 1.47% |
| Q1 2025 | $107.5M | $89.5M | $43.2M | $16.7M | $331K | 1.24% | 4.74% | 1.09% |
| Q4 2024 | $106.7M | $88.8M | $41.7M | $16.1M | $841K | 0.94% | 4.98% | 1.35% |
| Q3 2024 | $91.5M | $73.6M | $41.3M | $16.4M | $979K | 1.52% | 5.29% | 1.34% |
Loan mix (Q2 2026): real estate $37.2M · commercial $7.5M · consumer $2.4M · securities $37.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Carver State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 62.9% | 83th |
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 | Carver State 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 | Carver State 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 | Carver State 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 | Carver State Bank | 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.