| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +7.9% | +5.6% | +2.3 pts |
| ROA | 0.24% | 1.24% | -1.0 pts |
| ROE | 1.8% | 11.9% | -10.0 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $157.7M | $134.8M | $54.8M | $20.9M | $190K | 0.24% | 2.28% | 0.08% |
| Q1 2026 | $157.7M | $136.3M | $53.9M | $20.9M | $119K | 0.31% | 2.22% | 0.06% |
| Q4 2025 | $152.0M | $130.7M | $52.1M | $20.8M | $-494K | -0.32% | 1.78% | 0.06% |
| Q3 2025 | $150.2M | $130.1M | $51.5M | $19.5M | $-429K | -0.37% | 1.65% | 0.03% |
| Q2 2025 | $157.5M | $128.1M | $50.8M | $18.8M | $-317K | -0.40% | 1.59% | 0.04% |
| Q1 2025 | $158.4M | $129.7M | $50.1M | $18.2M | $-280K | -0.72% | 1.57% | 0.14% |
| Q4 2024 | $154.0M | $125.7M | $49.2M | $17.0M | $-842K | -0.54% | 1.31% | 0.22% |
| Q3 2024 | $156.5M | $124.1M | $50.0M | $17.7M | $-490K | -0.42% | 1.27% | 0.17% |
Loan mix (Q2 2026): real estate $42.9M · commercial $6.9M · consumer $5.8M · securities $82.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 62.9% | 94th |
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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