| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | -6.0% | +4.0% | -9.9 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 0.22% | 1.24% | -1.0 pts |
| ROE | 2.4% | 11.9% | -9.5 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 | $188.1M | $156.5M | $158.5M | $17.6M | $206K | 0.22% | 3.56% | 3.04% |
| Q1 2026 | $185.6M | $159.7M | $159.1M | $17.6M | $189K | 0.41% | 3.56% | 3.29% |
| Q4 2025 | $183.2M | $164.8M | $157.2M | $17.4M | $149K | 0.08% | 3.42% | 3.20% |
| Q3 2025 | $187.7M | $168.8M | $156.6M | $17.2M | $28K | 0.02% | 3.26% | 2.78% |
| Q2 2025 | $185.0M | $166.4M | $159.4M | $17.2M | $73K | 0.08% | 3.27% | 2.98% |
| Q1 2025 | $184.3M | $166.0M | $155.1M | $17.2M | $78K | 0.17% | 3.20% | 3.26% |
| Q4 2024 | $180.8M | $162.9M | $154.7M | $17.1M | $-1.3M | -0.74% | 3.37% | 3.07% |
| Q3 2024 | $182.1M | $162.4M | $157.2M | $17.9M | $-528K | -0.39% | 3.44% | 1.96% |
Loan mix (Q2 2026): real estate $141.2M · commercial $8.7M · consumer $6.4M · securities $6.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 62.9% | 92th |
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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