| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -5.0 pts |
| Deposit growth (YoY) | +0.0% | +4.0% | -3.9 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 0.69% | 1.24% | -0.5 pts |
| ROE | 10.2% | 11.9% | -1.7 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $364.0M | $336.0M | $245.8M | $26.0M | $1.3M | 0.69% | 3.07% | 3.78% |
| Q1 2026 | $372.9M | $344.7M | $248.9M | $25.1M | $582K | 0.62% | 3.02% | 2.98% |
| Q4 2025 | $375.1M | $339.1M | $246.9M | $24.8M | $2.6M | 0.71% | 2.87% | 2.61% |
| Q3 2025 | $361.4M | $333.5M | $236.2M | $24.2M | $2.0M | 0.72% | 2.83% | 2.38% |
| Q2 2025 | $366.4M | $336.0M | $237.2M | $21.2M | $1.2M | 0.67% | 2.73% | 2.47% |
| Q1 2025 | $369.4M | $342.8M | $234.2M | $19.9M | $608K | 0.67% | 2.77% | 1.74% |
| Q4 2024 | $360.1M | $338.7M | $222.4M | $18.1M | $1.6M | 0.51% | 2.56% | 0.38% |
| Q3 2024 | $360.5M | $335.4M | $216.6M | $21.6M | $1.0M | 0.44% | 2.49% | 0.29% |
Loan mix (Q2 2026): real estate $152.8M · commercial $62.7M · consumer $27.0M · securities $94.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 60th |
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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