| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.8 pts |
| Loan growth (YoY) | -3.6% | +5.6% | -9.2 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $288.4M | $226.5M | $128.8M | $29.7M | $968K | 0.67% | 3.45% | 0.80% |
| Q1 2026 | $294.1M | $230.8M | $126.2M | $29.4M | $469K | 0.64% | 3.39% | 0.76% |
| Q4 2025 | $288.9M | $225.1M | $131.3M | $29.5M | $1.3M | 0.44% | 3.16% | 0.78% |
| Q3 2025 | $282.5M | $224.0M | $131.4M | $28.8M | $987K | 0.46% | 3.14% | 0.86% |
| Q2 2025 | $287.3M | $226.0M | $133.6M | $27.3M | $565K | 0.40% | 3.12% | 0.67% |
| Q1 2025 | $285.1M | $231.1M | $131.6M | $26.7M | $361K | 0.51% | 3.10% | 0.22% |
| Q4 2024 | $281.7M | $232.2M | $133.9M | $24.7M | $534K | 0.21% | 2.75% | 0.37% |
| Q3 2024 | $261.7M | $207.2M | $121.1M | $21.7M | $229K | 0.12% | 2.74% | 0.39% |
Loan mix (Q2 2026): real estate $108.5M · commercial $8.4M · consumer $10.0M · securities $135.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 62.9% | 79th |
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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