No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $243.3M | $209.8M | $184.7M | $31.2M | $603K | 0.48% | 4.40% | 3.51% |
| Q1 2026 | $250.0M | $217.1M | $187.3M | $30.8M | $350K | 0.55% | 4.14% | 2.87% |
| Q4 2025 | $255.2M | $222.8M | $188.3M | $30.6M | $1.3M | 0.47% | 4.30% | 3.02% |
| Q3 2025 | $270.7M | $236.7M | $201.8M | $31.1M | $1.5M | 0.72% | 4.42% | 1.38% |
| Q2 2025 | $275.9M | $243.2M | $218.4M | $30.4M | $964K | 0.69% | 4.36% | 2.77% |
| Q1 2025 | $282.3M | $249.9M | $225.0M | $30.3M | $410K | 0.58% | 4.22% | 3.16% |
| Q4 2024 | $284.3M | $252.1M | $221.9M | $30.0M | $1.1M | 0.37% | 3.80% | 2.34% |
| Q3 2024 | $299.2M | $264.8M | $229.3M | $31.2M | $1.1M | 0.54% | 3.74% | 1.72% |
Loan mix (Q2 2026): real estate $142.0M · commercial $17.2M · consumer $5.2M · securities $8.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 62.9% | 90th |
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% |
The full ratio pack is part of CharterBench Pro.