| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +3.0% | -4.5 pts |
| Deposit growth (YoY) | -2.3% | +2.5% | -4.8 pts |
| Loan growth (YoY) | +3.9% | +2.6% | +1.3 pts |
| ROA | 0.92% | 0.99% | -0.1 pts |
| ROE | 6.7% | 8.1% | -1.3 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.6M | $83.0M | $69.1M | $14.0M | $468K | 0.92% | 5.48% | 4.82% |
| Q1 2026 | $105.4M | $89.2M | $62.6M | $13.9M | $233K | 0.90% | 5.45% | 3.53% |
| Q4 2025 | $101.2M | $86.2M | $62.2M | $13.8M | $976K | 0.96% | 5.58% | 4.40% |
| Q3 2025 | $96.6M | $81.2M | $66.4M | $13.8M | $818K | 1.07% | 5.65% | 4.05% |
| Q2 2025 | $100.0M | $85.0M | $66.5M | $13.4M | $433K | 0.84% | 5.15% | 4.14% |
| Q1 2025 | $105.9M | $91.4M | $61.9M | $12.7M | $200K | 0.76% | 5.06% | 3.34% |
| Q4 2024 | $104.1M | $89.8M | $64.1M | $12.5M | $1.1M | 1.01% | 4.87% | 3.02% |
| Q3 2024 | $103.4M | $83.1M | $72.6M | $13.4M | $704K | 0.88% | 4.86% | 3.51% |
Loan mix (Q2 2026): real estate $35.0M · commercial $5.5M · consumer $2.5M · securities $12.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.99% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 70.8% | 60th |
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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