| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +4.4% | -10.9 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.9 pts |
| Loan growth (YoY) | -5.3% | +5.6% | -10.9 pts |
| ROA | -0.39% | 1.24% | -1.6 pts |
| ROE | -8.1% | 11.9% | -19.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $265.8M | $226.2M | $185.9M | $14.2M | $-515K | -0.39% | 1.93% | 0.04% |
| Q1 2026 | $263.0M | $219.8M | $185.0M | $12.0M | $-262K | -0.39% | 1.88% | 0.01% |
| Q4 2025 | $270.5M | $217.9M | $189.5M | $12.1M | $-4.0M | -1.43% | 1.78% | 0.11% |
| Q3 2025 | $279.7M | $221.0M | $196.9M | $11.7M | $-4.0M | -1.93% | 1.69% | 0.01% |
| Q2 2025 | $284.5M | $223.8M | $196.3M | $14.6M | $-730K | -0.53% | 1.61% | 0.02% |
| Q1 2025 | $276.9M | $232.8M | $189.9M | $14.4M | $-482K | -0.70% | 1.50% | 0.00% |
| Q4 2024 | $273.0M | $232.4M | $186.4M | $14.3M | $-1.7M | -0.62% | 1.37% | 0.00% |
| Q3 2024 | $268.7M | $226.2M | $181.5M | $15.1M | $-1.2M | -0.58% | 1.33% | 0.01% |
Loan mix (Q2 2026): real estate $151.3M · commercial $3.1M · consumer $32.1M · securities $52.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -8.1% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.2% | 62.9% | 99th |
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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