| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.4% | -7.9 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.0 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 5.4% | 11.9% | -6.4 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 | $314.2M | $267.0M | $207.1M | $31.2M | $834K | 0.53% | 4.02% | 0.37% |
| Q1 2026 | $317.4M | $270.9M | $204.4M | $29.8M | $432K | 0.55% | 3.95% | 0.29% |
| Q4 2025 | $314.6M | $267.1M | $198.2M | $31.1M | $178K | 0.06% | 3.74% | 2.98% |
| Q3 2025 | $314.3M | $258.9M | $203.0M | $30.3M | $191K | 0.08% | 3.74% | 1.37% |
| Q2 2025 | $325.7M | $263.1M | $208.0M | $29.1M | $-245K | -0.15% | 3.69% | 1.20% |
| Q1 2025 | $328.8M | $274.8M | $212.8M | $28.3M | $397K | 0.48% | 3.66% | 0.02% |
| Q4 2024 | $331.1M | $277.8M | $207.9M | $28.8M | $1.8M | 0.54% | 3.50% | 0.03% |
| Q3 2024 | $336.1M | $267.4M | $213.2M | $30.9M | $1.1M | 0.42% | 3.48% | 0.03% |
Loan mix (Q2 2026): real estate $158.1M · commercial $30.5M · consumer $17.9M · securities $84.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 62.9% | 88th |
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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