| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.4% | -6.2 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 10.8% | 11.9% | -1.0 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $143.1M | $105.6M | $80.1M | $20.8M | $1.1M | 1.54% | 3.43% | 1.05% |
| Q1 2026 | $140.1M | $109.5M | $77.7M | $19.9M | $513K | 1.41% | 3.35% | 2.61% |
| Q4 2025 | $150.3M | $108.1M | $81.6M | $20.7M | $1.8M | 1.21% | 3.05% | 0.73% |
| Q3 2025 | $146.6M | $103.2M | $79.5M | $20.0M | $1.2M | 1.15% | 2.97% | 0.64% |
| Q2 2025 | $145.8M | $101.6M | $78.2M | $18.6M | $724K | 1.00% | 2.89% | 0.33% |
| Q1 2025 | $141.7M | $109.0M | $72.3M | $17.6M | $308K | 0.85% | 2.79% | 0.45% |
| Q4 2024 | $147.0M | $105.1M | $76.0M | $17.6M | $1.0M | 0.70% | 2.46% | 0.38% |
| Q3 2024 | $149.2M | $104.5M | $74.6M | $18.5M | $742K | 0.68% | 2.41% | 0.42% |
Loan mix (Q2 2026): real estate $39.1M · commercial $9.5M · consumer $3.2M · securities $57.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 19th |
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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