| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -2.4% | +2.5% | -4.9 pts |
| Loan growth (YoY) | -5.4% | +2.6% | -8.0 pts |
| ROA | 1.75% | 0.99% | +0.8 pts |
| ROE | 16.6% | 8.1% | +8.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.0M | $19.6M | $11.9M | $2.4M | $196K | 1.75% | 5.56% | 0.89% |
| Q1 2026 | $22.3M | $20.0M | $11.3M | $2.3M | $93K | 1.65% | 5.60% | 1.91% |
| Q4 2025 | $22.8M | $20.4M | $11.4M | $2.3M | $292K | 1.26% | 6.17% | 1.91% |
| Q3 2025 | $24.2M | $22.0M | $11.2M | $2.2M | $172K | 0.99% | 6.21% | 1.97% |
| Q2 2025 | $22.3M | $20.1M | $12.5M | $2.1M | $63K | 0.55% | 6.33% | 2.48% |
| Q1 2025 | $23.6M | $21.6M | $12.5M | $2.0M | $126K | 2.18% | 6.64% | 0.32% |
| Q4 2024 | $22.5M | $20.6M | $13.0M | $1.9M | $366K | 1.56% | 7.46% | 0.30% |
| Q3 2024 | $23.7M | $21.9M | $13.6M | $1.8M | $217K | 1.22% | 7.53% | 0.00% |
Loan mix (Q2 2026): real estate $6.0M · commercial $3.4M · consumer $370K · securities $4.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.99% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 8.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 70.8% | 51th |
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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