| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.2 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 7.9% | 11.9% | -4.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $273.7M | $249.1M | $173.1M | $21.7M | $837K | 0.60% | 2.99% | 1.57% |
| Q1 2026 | $281.1M | $257.3M | $173.3M | $20.9M | $364K | 0.51% | 2.95% | 1.54% |
| Q4 2025 | $287.6M | $263.7M | $173.3M | $21.1M | $1.8M | 0.66% | 2.89% | 1.34% |
| Q3 2025 | $274.1M | $249.1M | $172.8M | $21.8M | $1.5M | 0.71% | 2.87% | 1.46% |
| Q2 2025 | $276.1M | $252.2M | $176.3M | $20.0M | $911K | 0.65% | 2.81% | 1.01% |
| Q1 2025 | $280.8M | $256.9M | $178.7M | $20.1M | $418K | 0.59% | 2.74% | 0.95% |
| Q4 2024 | $281.9M | $256.7M | $186.6M | $19.5M | $733K | 0.26% | 2.53% | 1.94% |
| Q3 2024 | $285.1M | $249.3M | $187.9M | $20.4M | $261K | 0.12% | 2.46% | 0.95% |
Loan mix (Q2 2026): real estate $151.6M · commercial $15.9M · consumer $6.7M · securities $81.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 62.9% | 89th |
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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