No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $395.1M | $345.6M | $300.0M | $48.4M | $3.0M | 1.58% | 5.00% | 0.35% |
| Q1 2026 | $395.5M | $342.8M | $291.7M | $46.8M | $1.4M | 1.52% | 4.99% | 0.30% |
| Q4 2025 | $362.2M | $309.4M | $279.5M | $47.2M | $5.6M | 1.61% | 5.14% | 0.16% |
| Q3 2025 | $364.6M | $312.4M | $274.2M | $45.4M | $3.9M | 1.48% | 5.09% | 0.18% |
| Q2 2025 | $345.8M | $295.7M | $261.6M | $43.8M | $2.4M | 1.41% | 5.04% | 0.16% |
| Q1 2025 | $340.6M | $297.1M | $251.6M | $42.5M | $1.1M | 1.29% | 4.87% | 0.17% |
| Q4 2024 | $339.2M | $295.9M | $243.3M | $42.6M | $4.7M | 1.46% | 4.97% | 0.17% |
| Q3 2024 | $322.3M | $279.8M | $241.0M | $41.2M | $3.3M | 1.38% | 4.96% | 0.14% |
Loan mix (Q2 2026): real estate $262.6M · commercial $26.7M · consumer $11.6M · securities $46.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 35th |
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.