| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.4% | -7.5 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.1 pts |
| Loan growth (YoY) | -4.1% | +5.6% | -9.7 pts |
| ROA | -0.25% | 1.24% | -1.5 pts |
| ROE | -5.4% | 11.9% | -17.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.6M | $105.8M | $64.6M | $5.4M | $-145K | -0.25% | 2.85% | 0.77% |
| Q1 2026 | $116.0M | $108.4M | $65.5M | $5.2M | $-55K | -0.19% | 2.82% | 0.79% |
| Q4 2025 | $116.8M | $109.9M | $68.2M | $5.5M | $-308K | -0.26% | 2.79% | 0.78% |
| Q3 2025 | $117.9M | $106.1M | $70.8M | $5.3M | $-231K | -0.26% | 2.78% | 0.85% |
| Q2 2025 | $117.3M | $105.9M | $67.3M | $4.9M | $-172K | -0.29% | 2.65% | 0.85% |
| Q1 2025 | $119.2M | $109.2M | $65.1M | $4.6M | $-124K | -0.41% | 2.52% | 0.84% |
| Q4 2024 | $120.6M | $108.9M | $65.4M | $4.3M | $-3.4M | -2.77% | 2.02% | 0.83% |
| Q3 2024 | $125.5M | $110.3M | $63.8M | $7.7M | $-775K | -0.82% | 2.07% | 0.82% |
Loan mix (Q2 2026): real estate $53.6M · commercial $10.4M · consumer $778K · securities $34.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -5.4% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.0% | 62.9% | 98th |
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% |
The full ratio pack is part of CharterBench Pro.