| Metric | COREBANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +4.4% | -10.0 pts |
| Deposit growth (YoY) | -7.4% | +4.0% | -11.4 pts |
| Loan growth (YoY) | -3.3% | +5.6% | -8.9 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.1M | $107.0M | $93.7M | $14.6M | $957K | 1.52% | 4.26% | 0.00% |
| Q1 2026 | $128.9M | $113.9M | $94.8M | $14.0M | $341K | 1.07% | 4.12% | 0.00% |
| Q4 2025 | $125.6M | $111.0M | $99.4M | $13.7M | $1.5M | 1.18% | 4.16% | 0.00% |
| Q3 2025 | $122.8M | $108.5M | $96.9M | $13.3M | $1.1M | 1.13% | 4.08% | 0.00% |
| Q2 2025 | $129.3M | $115.6M | $96.9M | $12.8M | $664K | 1.05% | 3.96% | 0.00% |
| Q1 2025 | $132.2M | $118.8M | $95.6M | $12.4M | $319K | 1.03% | 3.94% | 0.00% |
| Q4 2024 | $116.7M | $103.7M | $93.7M | $12.0M | $1.1M | 1.02% | 4.13% | 0.00% |
| Q3 2024 | $118.5M | $106.2M | $93.9M | $11.8M | $790K | 0.96% | 4.13% | 0.00% |
Loan mix (Q2 2026): real estate $74.2M · commercial $18.2M · consumer $385K · securities $11.2M
| Ratio | COREBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
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 | COREBANK | 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 | COREBANK | 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 | COREBANK | 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 | COREBANK | 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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