| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +1.0% | +5.6% | -4.6 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 3.9% | 11.9% | -8.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $281.5M | $247.4M | $245.5M | $33.4M | $638K | 0.45% | 3.14% | 0.15% |
| Q1 2026 | $282.5M | $248.8M | $241.8M | $33.1M | $263K | 0.37% | 3.10% | 0.12% |
| Q4 2025 | $278.9M | $245.4M | $241.5M | $32.9M | $1.1M | 0.42% | 3.01% | 0.19% |
| Q3 2025 | $275.9M | $242.6M | $242.2M | $32.5M | $849K | 0.41% | 3.00% | 0.21% |
| Q2 2025 | $277.2M | $244.3M | $243.0M | $32.2M | $537K | 0.39% | 2.98% | 0.19% |
| Q1 2025 | $277.1M | $244.7M | $242.7M | $31.8M | $198K | 0.29% | 2.88% | 0.21% |
| Q4 2024 | $270.7M | $238.4M | $243.0M | $31.5M | $482K | 0.18% | 2.75% | 0.28% |
| Q3 2024 | $270.3M | $236.1M | $242.7M | $31.4M | $350K | 0.17% | 2.73% | 0.47% |
Loan mix (Q2 2026): real estate $245.7M · commercial $72K · consumer $818K · securities $14.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 62.9% | 88th |
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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