| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +4.9% | -9.2 pts |
| Deposit growth (YoY) | -5.9% | +4.3% | -10.2 pts |
| Loan growth (YoY) | +1.7% | +5.3% | -3.6 pts |
| ROA | 0.26% | 1.28% | -1.0 pts |
| ROE | 1.9% | 12.4% | -10.6 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $526.0M | $445.8M | $320.5M | $72.2M | $675K | 0.26% | 4.39% | 0.02% |
| Q1 2026 | $533.4M | $453.2M | $317.2M | $71.7M | $215K | 0.16% | 4.31% | 0.02% |
| Q4 2025 | $523.4M | $445.2M | $293.9M | $71.5M | $2.8M | 0.51% | 4.41% | 0.02% |
| Q3 2025 | $522.7M | $443.8M | $297.0M | $71.2M | $2.4M | 0.60% | 4.43% | 0.01% |
| Q2 2025 | $549.9M | $473.7M | $315.1M | $70.1M | $1.3M | 0.48% | 4.23% | 0.48% |
| Q1 2025 | $585.6M | $511.2M | $314.9M | $69.4M | $648K | 0.47% | 4.21% | 0.48% |
| Q4 2024 | $527.6M | $453.3M | $318.3M | $68.7M | $4.2M | 0.77% | 4.58% | 0.53% |
| Q3 2024 | $545.2M | $470.5M | $310.6M | $67.7M | $3.2M | 0.77% | 4.61% | 0.52% |
Loan mix (Q2 2026): real estate $147.2M · commercial $175.3M · consumer $23K · securities $22.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 61.2% | 96th |
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% |
The full ratio pack is part of CharterBench Pro.