| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +3.0% | -11.9 pts |
| Deposit growth (YoY) | -13.2% | +2.5% | -15.7 pts |
| Loan growth (YoY) | -13.6% | +2.6% | -16.2 pts |
| ROA | 1.09% | 0.99% | +0.1 pts |
| ROE | 8.2% | 8.1% | +0.2 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.0M | $75.0M | $60.5M | $13.1M | $543K | 1.09% | 3.06% | 0.49% |
| Q1 2026 | $99.4M | $79.0M | $63.8M | $13.4M | $277K | 1.09% | 2.93% | 0.51% |
| Q4 2025 | $103.5M | $83.2M | $65.8M | $13.1M | $876K | 0.83% | 2.66% | 0.53% |
| Q3 2025 | $106.7M | $86.1M | $66.8M | $13.3M | $665K | 0.83% | 2.62% | 0.34% |
| Q2 2025 | $104.4M | $86.4M | $70.0M | $12.8M | $424K | 0.79% | 2.53% | 0.00% |
| Q1 2025 | $108.8M | $92.6M | $70.9M | $12.5M | $195K | 0.72% | 2.40% | 0.01% |
| Q4 2024 | $107.5M | $89.0M | $71.4M | $12.8M | $494K | 0.46% | 2.10% | 0.00% |
| Q3 2024 | $108.0M | $90.4M | $68.1M | $12.9M | $401K | 0.50% | 2.19% | 0.22% |
Loan mix (Q2 2026): real estate $43.3M · commercial $8.7M · consumer $1.8M · securities $22.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.99% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 70.8% | 24th |
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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