| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.9% | +4.4% | -23.3 pts |
| Deposit growth (YoY) | -27.6% | +4.0% | -31.6 pts |
| Loan growth (YoY) | -21.5% | +5.6% | -27.1 pts |
| ROA | 2.27% | 1.24% | +1.0 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $336.4M | $208.0M | $241.6M | $108.6M | $4.0M | 2.27% | 5.69% | 6.38% |
| Q1 2026 | $354.0M | $225.4M | $270.1M | $107.7M | $2.1M | 2.36% | 5.80% | 5.66% |
| Q4 2025 | $366.5M | $237.5M | $278.1M | $106.1M | $11.9M | 2.98% | 5.69% | 4.74% |
| Q3 2025 | $388.6M | $256.1M | $300.1M | $103.7M | $9.4M | 3.10% | 5.66% | 4.43% |
| Q2 2025 | $415.0M | $287.4M | $307.7M | $99.4M | $4.2M | 2.05% | 5.49% | 4.29% |
| Q1 2025 | $411.1M | $283.3M | $302.7M | $98.3M | $2.1M | 2.02% | 5.52% | 4.15% |
| Q4 2024 | $406.6M | $276.1M | $303.7M | $99.9M | $7.4M | 1.88% | 5.88% | 4.19% |
| Q3 2024 | $401.0M | $269.4M | $306.3M | $100.1M | $5.3M | 1.81% | 5.92% | 4.36% |
Loan mix (Q2 2026): real estate $244.6M · commercial $0 · consumer $0 · securities $19.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 62.9% | 45th |
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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