| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | -3.9% | +4.0% | -7.8 pts |
| Loan growth (YoY) | +18.1% | +5.6% | +12.5 pts |
| ROA | 0.58% | 1.24% | -0.7 pts |
| ROE | 3.4% | 11.9% | -8.5 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.8M | $88.1M | $96.6M | $21.9M | $364K | 0.58% | 3.95% | 0.00% |
| Q1 2026 | $124.2M | $86.6M | $97.7M | $21.7M | $110K | 0.35% | 3.88% | 0.00% |
| Q4 2025 | $125.5M | $93.0M | $94.2M | $21.6M | $182K | 0.15% | 3.73% | 0.00% |
| Q3 2025 | $117.6M | $90.1M | $85.4M | $21.4M | $96K | 0.11% | 3.68% | 0.00% |
| Q2 2025 | $119.1M | $91.7M | $81.8M | $21.3M | $95K | 0.16% | 3.60% | 0.00% |
| Q1 2025 | $116.6M | $89.2M | $83.2M | $21.2M | $35K | 0.11% | 3.55% | 0.00% |
| Q4 2024 | $128.4M | $101.0M | $84.6M | $21.0M | $460K | 0.38% | 3.59% | 0.00% |
| Q3 2024 | $122.7M | $95.7M | $88.8M | $21.1M | $345K | 0.39% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $98.0M · commercial $0 · consumer $0 · securities $8.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 62.9% | 86th |
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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