| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.0% | -2.8 pts |
| Deposit growth (YoY) | +1.6% | +2.5% | -0.9 pts |
| Loan growth (YoY) | -2.5% | +2.6% | -5.1 pts |
| ROA | 0.24% | 0.99% | -0.8 pts |
| ROE | 0.9% | 8.1% | -7.2 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.9M | $28.1M | $30.3M | $11.3M | $50K | 0.24% | 2.45% | 0.00% |
| Q1 2026 | $40.6M | $26.8M | $30.7M | $11.3M | $21K | 0.21% | 2.38% | 0.06% |
| Q4 2025 | $40.9M | $26.9M | $31.8M | $11.3M | $43K | 0.10% | 2.23% | 0.07% |
| Q3 2025 | $42.0M | $27.8M | $31.9M | $11.3M | $20K | 0.06% | 2.10% | 0.00% |
| Q2 2025 | $41.8M | $27.6M | $31.0M | $11.2M | $-2K | -0.01% | 2.09% | 0.08% |
| Q1 2025 | $42.0M | $27.8M | $31.3M | $11.2M | $-6K | -0.06% | 2.10% | 0.00% |
| Q4 2024 | $41.0M | $26.7M | $31.4M | $11.1M | $-50K | -0.12% | 1.94% | 0.00% |
| Q3 2024 | $42.6M | $27.9M | $31.5M | $11.2M | $-40K | -0.13% | 1.92% | 0.08% |
Loan mix (Q2 2026): real estate $30.5M · commercial $0 · consumer $60K · securities $7.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.99% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 8.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 70.8% | 86th |
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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