| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | -3.8% | +5.6% | -9.4 pts |
| ROA | 0.37% | 1.24% | -0.9 pts |
| ROE | 2.7% | 11.9% | -9.1 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $205.0M | $140.6M | $127.6M | $28.2M | $384K | 0.37% | 2.83% | 0.32% |
| Q1 2026 | $209.4M | $138.5M | $130.5M | $28.1M | $171K | 0.33% | 2.79% | 0.31% |
| Q4 2025 | $205.3M | $135.0M | $132.5M | $28.0M | $541K | 0.26% | 2.77% | 0.36% |
| Q3 2025 | $203.2M | $130.9M | $135.5M | $27.6M | $419K | 0.27% | 2.77% | 0.16% |
| Q2 2025 | $202.1M | $130.9M | $132.7M | $26.9M | $234K | 0.23% | 2.75% | 0.16% |
| Q1 2025 | $202.5M | $130.0M | $131.3M | $26.6M | $128K | 0.25% | 2.72% | 0.16% |
| Q4 2024 | $214.7M | $139.1M | $132.2M | $25.8M | $394K | 0.19% | 2.48% | 0.15% |
| Q3 2024 | $206.5M | $132.7M | $131.4M | $27.2M | $314K | 0.20% | 2.53% | 0.16% |
Loan mix (Q2 2026): real estate $127.8M · commercial $695K · consumer $80K · securities $42.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 62.9% | 84th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
2 branches in 1 county across 1 state (-1 vs 2025) · $140.6M branch deposits. Biggest market: Suffolk, MA, ranked 26th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, MA | 2 | $140.6M | 0.04% | 26th |
Massachusetts: 150th with 0.02% · Boston-Cambridge-Newton metro: 105th, 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2
Technology spend in line with peers (17 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).