| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +3.0% | -4.7 pts |
| Deposit growth (YoY) | -2.3% | +2.5% | -4.8 pts |
| Loan growth (YoY) | +12.2% | +2.6% | +9.6 pts |
| ROA | 0.50% | 0.99% | -0.5 pts |
| ROE | 5.6% | 8.1% | -2.4 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.3M | $51.1M | $34.3M | $5.1M | $142K | 0.50% | 3.72% | 0.00% |
| Q1 2026 | $58.4M | $53.2M | $32.3M | $5.0M | $58K | 0.41% | 3.58% | 0.00% |
| Q4 2025 | $55.5M | $50.3M | $31.5M | $5.0M | $155K | 0.27% | 3.30% | 0.00% |
| Q3 2025 | $57.9M | $52.8M | $30.4M | $4.9M | $93K | 0.22% | 3.18% | 0.00% |
| Q2 2025 | $57.3M | $52.3M | $30.6M | $4.7M | $65K | 0.23% | 3.14% | 0.00% |
| Q1 2025 | $58.1M | $53.4M | $30.0M | $4.6M | $22K | 0.16% | 3.05% | 0.00% |
| Q4 2024 | $55.3M | $50.7M | $30.8M | $4.4M | $44K | 0.08% | 2.70% | 0.00% |
| Q3 2024 | $57.5M | $52.8M | $30.4M | $4.5M | $14K | 0.03% | 2.59% | 0.00% |
Loan mix (Q2 2026): real estate $29.0M · commercial $2.3M · consumer $1.7M · securities $10.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.99% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 8.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 70.8% | 75th |
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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