| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.2 pts |
| Loan growth (YoY) | -9.9% | +5.6% | -15.5 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 8.7% | 11.9% | -3.2 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.8M | $106.9M | $46.7M | $12.6M | $539K | 0.89% | 3.28% | 0.29% |
| Q1 2026 | $124.0M | $111.4M | $44.3M | $12.1M | $190K | 0.63% | 3.14% | 0.22% |
| Q4 2025 | $118.9M | $105.9M | $53.6M | $12.7M | $1.0M | 0.89% | 3.47% | 0.23% |
| Q3 2025 | $114.2M | $101.7M | $55.9M | $12.1M | $768K | 0.89% | 3.47% | 0.23% |
| Q2 2025 | $117.1M | $105.1M | $51.8M | $11.6M | $504K | 0.87% | 3.46% | 0.24% |
| Q1 2025 | $118.4M | $107.4M | $50.9M | $10.7M | $186K | 0.65% | 3.21% | 0.86% |
| Q4 2024 | $111.2M | $100.7M | $54.5M | $10.2M | $822K | 0.73% | 3.25% | 1.10% |
| Q3 2024 | $109.3M | $97.8M | $57.1M | $11.1M | $631K | 0.74% | 3.22% | 1.51% |
Loan mix (Q2 2026): real estate $21.6M · commercial $5.0M · consumer $2.6M · securities $35.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 62.9% | 73th |
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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