| Metric | Dewey Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.0% | -1.0 pts |
| Deposit growth (YoY) | -3.1% | +2.5% | -5.6 pts |
| Loan growth (YoY) | +2.4% | +2.6% | -0.2 pts |
| ROA | 1.62% | 0.99% | +0.6 pts |
| ROE | 12.7% | 8.1% | +4.6 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.3M | $25.3M | $21.8M | $4.0M | $247K | 1.62% | 5.17% | 0.05% |
| Q1 2026 | $30.3M | $26.3M | $22.0M | $3.9M | $123K | 1.61% | 5.10% | 0.00% |
| Q4 2025 | $30.9M | $26.0M | $22.5M | $3.8M | $383K | 1.26% | 4.92% | 0.00% |
| Q3 2025 | $31.6M | $27.7M | $22.3M | $3.8M | $310K | 1.37% | 4.82% | 0.00% |
| Q2 2025 | $29.7M | $26.1M | $21.3M | $3.6M | $185K | 1.24% | 4.74% | 0.00% |
| Q1 2025 | $31.3M | $27.8M | $20.7M | $3.5M | $84K | 1.13% | 4.60% | 0.00% |
| Q4 2024 | $28.4M | $24.7M | $20.3M | $3.4M | $274K | 0.96% | 4.52% | 0.00% |
| Q3 2024 | $28.7M | $25.3M | $20.0M | $3.4M | $216K | 1.01% | 4.39% | 0.00% |
Loan mix (Q2 2026): real estate $12.2M · commercial $4.5M · consumer $915K · securities $4.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Dewey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.99% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 8.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 70.8% | 43th |
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 | Dewey Bank | 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 | Dewey Bank | 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 | Dewey Bank | 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 | Dewey Bank | 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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