| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.6% | +4.4% | -21.0 pts |
| Deposit growth (YoY) | -19.2% | +4.0% | -23.1 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 18.3% | 11.9% | +6.5 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.4M | $125.0M | $53.9M | $8.1M | $724K | 1.05% | 3.25% | 0.00% |
| Q1 2026 | $136.8M | $128.4M | $52.7M | $8.0M | $399K | 1.14% | 3.24% | 0.00% |
| Q4 2025 | $142.8M | $134.9M | $50.7M | $7.6M | $1.6M | 1.10% | 3.03% | 0.02% |
| Q3 2025 | $140.3M | $133.0M | $48.4M | $7.0M | $1.1M | 1.05% | 2.90% | 0.01% |
| Q2 2025 | $160.1M | $154.7M | $51.9M | $5.1M | $659K | 0.90% | 2.72% | 0.00% |
| Q1 2025 | $138.4M | $133.4M | $50.6M | $4.7M | $313K | 0.89% | 2.75% | 0.00% |
| Q4 2024 | $141.7M | $136.5M | $39.7M | $4.9M | $1.1M | 0.82% | 2.42% | 0.00% |
| Q3 2024 | $136.5M | $129.7M | $41.0M | $6.4M | $919K | 0.88% | 2.35% | 0.00% |
Loan mix (Q2 2026): real estate $21.5M · commercial $30.7M · consumer $1.6M · securities $61.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 62.9% | 67th |
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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