| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -3.3% | +4.0% | -7.3 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 17.6% | 11.9% | +5.8 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $238.3M | $191.6M | $163.9M | $14.2M | $1.2M | 1.03% | 3.17% | 2.59% |
| Q1 2026 | $249.4M | $207.9M | $163.4M | $14.1M | $689K | 1.12% | 3.11% | 2.38% |
| Q4 2025 | $240.7M | $194.7M | $162.5M | $14.2M | $2.5M | 1.07% | 3.31% | 2.50% |
| Q3 2025 | $236.7M | $188.2M | $160.3M | $13.4M | $2.0M | 1.17% | 3.33% | 2.60% |
| Q2 2025 | $238.4M | $198.2M | $161.4M | $12.2M | $1.3M | 1.19% | 3.27% | 2.57% |
| Q1 2025 | $225.6M | $195.8M | $152.5M | $12.3M | $719K | 1.32% | 3.26% | 2.71% |
| Q4 2024 | $208.7M | $177.8M | $146.3M | $11.0M | $1.6M | 0.77% | 3.04% | 1.63% |
| Q3 2024 | $213.9M | $168.5M | $149.2M | $12.7M | $1.3M | 0.82% | 3.02% | 1.68% |
Loan mix (Q2 2026): real estate $149.0M · commercial $13.8M · consumer $3.3M · securities $41.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
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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