| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 0.52% | 1.24% | -0.7 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.6M | $146.7M | $68.6M | $10.3M | $408K | 0.52% | 3.50% | 0.38% |
| Q1 2026 | $155.8M | $143.2M | $67.9M | $10.0M | $138K | 0.35% | 3.33% | 0.27% |
| Q4 2025 | $159.0M | $142.5M | $70.2M | $10.3M | $-1.8M | -1.14% | 3.39% | 0.24% |
| Q3 2025 | $160.3M | $144.0M | $69.0M | $10.0M | $-1.8M | -1.52% | 3.34% | 0.53% |
| Q2 2025 | $154.5M | $139.6M | $64.8M | $8.7M | $-1.9M | -2.46% | 3.28% | 0.58% |
| Q1 2025 | $155.9M | $139.7M | $69.2M | $10.0M | $-133K | -0.34% | 3.17% | 1.68% |
| Q4 2024 | $156.9M | $141.4M | $68.4M | $9.3M | $129K | 0.08% | 2.96% | 1.72% |
| Q3 2024 | $163.9M | $142.4M | $72.4M | $11.3M | $-14K | -0.01% | 2.92% | 1.71% |
Loan mix (Q2 2026): real estate $58.2M · commercial $7.0M · consumer $3.7M · securities $62.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 62.9% | 94th |
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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