| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.4 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 4.4% | 11.9% | -7.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.1M | $161.3M | $146.9M | $19.3M | $421K | 0.45% | 2.63% | 0.03% |
| Q1 2026 | $186.6M | $165.3M | $145.6M | $19.0M | $163K | 0.35% | 2.59% | 0.06% |
| Q4 2025 | $184.6M | $165.1M | $144.5M | $19.0M | $734K | 0.40% | 2.33% | 0.06% |
| Q3 2025 | $180.0M | $161.0M | $142.0M | $18.5M | $499K | 0.36% | 2.30% | 0.04% |
| Q2 2025 | $182.5M | $162.1M | $142.0M | $18.0M | $304K | 0.33% | 2.25% | 0.10% |
| Q1 2025 | $183.7M | $165.6M | $141.9M | $17.8M | $129K | 0.28% | 2.21% | 0.04% |
| Q4 2024 | $185.1M | $167.3M | $142.0M | $17.6M | $-51K | -0.03% | 1.83% | 0.04% |
| Q3 2024 | $184.4M | $165.6M | $140.9M | $18.1M | $-128K | -0.09% | 1.77% | 0.05% |
Loan mix (Q2 2026): real estate $147.2M · commercial $0 · consumer $0 · securities $25.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 62.9% | 87th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
Spends 1.7× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).