| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 0.20% | 1.24% | -1.0 pts |
| ROE | 1.0% | 11.9% | -10.9 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $190.1M | $149.1M | $134.4M | $36.9M | $184K | 0.20% | 3.00% | 0.11% |
| Q1 2026 | $188.5M | $147.4M | $135.3M | $36.9M | $104K | 0.22% | 2.98% | 0.16% |
| Q4 2025 | $187.6M | $144.2M | $132.9M | $36.8M | $327K | 0.17% | 2.86% | 0.17% |
| Q3 2025 | $192.1M | $146.5M | $134.2M | $36.4M | $173K | 0.12% | 2.81% | 0.18% |
| Q2 2025 | $186.6M | $139.7M | $133.8M | $35.6M | $57K | 0.06% | 2.81% | 0.19% |
| Q1 2025 | $189.5M | $139.3M | $134.5M | $35.6M | $-40K | -0.08% | 2.81% | 0.12% |
| Q4 2024 | $187.9M | $136.4M | $132.8M | $35.2M | $228K | 0.12% | 2.66% | 0.07% |
| Q3 2024 | $189.2M | $138.5M | $132.2M | $36.1M | $121K | 0.09% | 2.63% | 0.05% |
Loan mix (Q2 2026): real estate $130.7M · commercial $2.3M · consumer $1.8M · securities $32.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 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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