| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.1 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 11.2% | 11.9% | -0.6 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $287.0M | $229.5M | $156.1M | $19.0M | $1.0M | 0.73% | 2.68% | 0.86% |
| Q1 2026 | $287.6M | $245.5M | $155.8M | $17.7M | $420K | 0.59% | 2.45% | 0.84% |
| Q4 2025 | $277.3M | $234.2M | $156.2M | $18.9M | $1.6M | 0.59% | 2.58% | 0.85% |
| Q3 2025 | $268.4M | $226.0M | $151.2M | $17.6M | $1.1M | 0.56% | 2.57% | 1.11% |
| Q2 2025 | $270.4M | $229.7M | $153.9M | $15.4M | $654K | 0.49% | 2.56% | 0.97% |
| Q1 2025 | $267.6M | $228.9M | $153.9M | $13.4M | $290K | 0.44% | 2.54% | 1.01% |
| Q4 2024 | $257.4M | $219.3M | $151.2M | $12.9M | $980K | 0.36% | 2.06% | 1.12% |
| Q3 2024 | $273.9M | $216.4M | $146.6M | $15.3M | $608K | 0.30% | 1.94% | 1.04% |
Loan mix (Q2 2026): real estate $98.0M · commercial $40.6M · consumer $6.8M · securities $114.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 62.9% | 64th |
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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