| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +3.0% | -7.0 pts |
| Deposit growth (YoY) | -5.3% | +2.5% | -7.7 pts |
| Loan growth (YoY) | -3.8% | +2.6% | -6.4 pts |
| ROA | 0.67% | 0.99% | -0.3 pts |
| ROE | 6.0% | 8.1% | -2.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.3M | $59.4M | $36.9M | $7.3M | $223K | 0.67% | 4.70% | 1.01% |
| Q1 2026 | $72.5M | $64.4M | $38.9M | $7.5M | $316K | 1.90% | 4.40% | 2.10% |
| Q4 2025 | $60.9M | $52.7M | $38.9M | $7.6M | $862K | 1.26% | 4.14% | 2.00% |
| Q3 2025 | $66.4M | $58.4M | $38.6M | $7.4M | $770K | 1.47% | 3.98% | 2.36% |
| Q2 2025 | $70.1M | $62.6M | $38.3M | $6.9M | $443K | 1.25% | 3.75% | 1.76% |
| Q1 2025 | $79.4M | $72.3M | $37.8M | $6.6M | $166K | 0.93% | 3.63% | 1.76% |
| Q4 2024 | $64.0M | $56.6M | $38.4M | $6.8M | $1.1M | 1.46% | 3.97% | 0.73% |
| Q3 2024 | $71.3M | $63.6M | $38.5M | $7.1M | $913K | 1.64% | 3.91% | 0.60% |
Loan mix (Q2 2026): real estate $17.1M · commercial $14.7M · consumer $3.3M · securities $10.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 70.8% | 76th |
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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