| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.3 pts |
| Loan growth (YoY) | -5.8% | +5.6% | -11.4 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 10.0% | 11.9% | -1.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.2M | $134.9M | $73.0M | $17.1M | $848K | 1.11% | 2.94% | 0.00% |
| Q1 2026 | $155.1M | $137.1M | $74.8M | $16.7M | $369K | 0.97% | 2.79% | 0.00% |
| Q4 2025 | $150.6M | $132.4M | $77.4M | $17.0M | $1.1M | 0.79% | 2.66% | 0.00% |
| Q3 2025 | $141.5M | $123.7M | $77.9M | $16.5M | $839K | 0.79% | 2.65% | 0.00% |
| Q2 2025 | $145.2M | $128.2M | $77.5M | $15.8M | $528K | 0.75% | 2.59% | 0.00% |
| Q1 2025 | $141.9M | $125.9M | $75.5M | $14.9M | $237K | 0.68% | 2.56% | 0.00% |
| Q4 2024 | $137.1M | $121.7M | $77.3M | $14.3M | $702K | 0.50% | 2.31% | 0.00% |
| Q3 2024 | $141.7M | $118.1M | $76.3M | $14.5M | $379K | 0.36% | 2.29% | 0.00% |
Loan mix (Q2 2026): real estate $46.3M · commercial $4.1M · consumer $2.1M · securities $59.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 62.9% | 43th |
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.