| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.2 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | 0.11% | 1.24% | -1.1 pts |
| ROE | 0.7% | 11.9% | -11.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $168.3M | $128.2M | $140.0M | $26.4M | $90K | 0.11% | 3.28% | 0.33% |
| Q1 2026 | $172.0M | $131.6M | $143.5M | $26.4M | $62K | 0.14% | 3.29% | 0.32% |
| Q4 2025 | $170.3M | $129.9M | $145.1M | $26.4M | $96K | 0.06% | 3.31% | 0.32% |
| Q3 2025 | $166.6M | $126.0M | $144.4M | $26.3M | $30K | 0.02% | 3.32% | 0.20% |
| Q2 2025 | $159.6M | $123.1M | $146.3M | $26.1M | $-65K | -0.08% | 3.33% | 0.07% |
| Q1 2025 | $161.2M | $124.6M | $144.7M | $26.1M | $-23K | -0.06% | 3.30% | 0.08% |
| Q4 2024 | $161.7M | $125.0M | $147.5M | $26.0M | $-42K | -0.03% | 3.27% | 0.08% |
| Q3 2024 | $161.0M | $123.9M | $145.1M | $26.1M | $-56K | -0.05% | 3.26% | 0.00% |
Loan mix (Q2 2026): real estate $139.9M · commercial $0 · consumer $743K · securities $8.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.6% | 62.9% | 96th |
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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