| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.0% | -0.1 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | +5.7% | +2.6% | +3.1 pts |
| ROA | 0.62% | 0.99% | -0.4 pts |
| ROE | 5.7% | 8.1% | -2.4 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.4M | $41.2M | $30.2M | $5.3M | $149K | 0.62% | 3.61% | 2.67% |
| Q1 2026 | $48.3M | $42.2M | $30.9M | $5.2M | $64K | 0.53% | 3.70% | 1.39% |
| Q4 2025 | $47.7M | $41.5M | $30.5M | $5.2M | $201K | 0.45% | 3.66% | 0.09% |
| Q3 2025 | $43.7M | $37.6M | $28.4M | $5.2M | $171K | 0.51% | 3.65% | 0.10% |
| Q2 2025 | $46.1M | $40.0M | $28.5M | $5.1M | $113K | 0.51% | 3.61% | 0.55% |
| Q1 2025 | $44.8M | $38.8M | $28.0M | $5.1M | $77K | 0.70% | 3.64% | 0.53% |
| Q4 2024 | $42.7M | $37.6M | $29.2M | $5.0M | $85K | 0.19% | 3.33% | 1.14% |
| Q3 2024 | $45.2M | $39.9M | $28.5M | $5.1M | $197K | 0.58% | 3.25% | 4.16% |
Loan mix (Q2 2026): real estate $18.7M · commercial $3.9M · consumer $1.6M · securities $5.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.99% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 8.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 70.8% | 59th |
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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