| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.5 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 9.8% | 11.9% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.4M | $164.3M | $123.2M | $17.1M | $827K | 0.90% | 3.55% | 0.64% |
| Q1 2026 | $187.9M | $170.1M | $119.0M | $16.8M | $394K | 0.85% | 3.50% | 0.68% |
| Q4 2025 | $182.1M | $164.6M | $116.1M | $16.6M | $1.3M | 0.74% | 3.29% | 0.72% |
| Q3 2025 | $185.3M | $168.6M | $116.0M | $15.8M | $962K | 0.70% | 3.23% | 0.70% |
| Q2 2025 | $182.7M | $166.7M | $114.0M | $15.1M | $624K | 0.69% | 3.17% | 0.74% |
| Q1 2025 | $186.0M | $170.9M | $111.7M | $14.4M | $305K | 0.67% | 3.13% | 0.15% |
| Q4 2024 | $176.1M | $161.8M | $109.9M | $13.5M | $1.1M | 0.59% | 2.87% | 0.44% |
| Q3 2024 | $179.1M | $164.3M | $111.0M | $14.0M | $720K | 0.53% | 2.79% | 0.17% |
Loan mix (Q2 2026): real estate $105.0M · commercial $16.2M · consumer $3.0M · securities $46.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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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