| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.4% | -6.6 pts |
| Deposit growth (YoY) | -1.0% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +4.3% | +5.6% | -1.3 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.2M | $187.0M | $126.7M | $17.6M | $963K | 0.91% | 3.64% | 1.03% |
| Q1 2026 | $210.7M | $187.0M | $123.5M | $17.1M | $524K | 0.99% | 3.55% | 1.04% |
| Q4 2025 | $212.7M | $180.7M | $124.1M | $16.6M | $1.3M | 0.59% | 3.31% | 0.57% |
| Q3 2025 | $213.0M | $184.9M | $122.7M | $15.9M | $881K | 0.55% | 3.24% | 0.71% |
| Q2 2025 | $212.9M | $189.0M | $121.5M | $14.9M | $558K | 0.52% | 3.19% | 0.70% |
| Q1 2025 | $215.2M | $192.4M | $117.6M | $14.0M | $289K | 0.54% | 3.07% | 0.19% |
| Q4 2024 | $216.0M | $184.0M | $118.9M | $12.4M | $886K | 0.38% | 2.77% | 0.08% |
| Q3 2024 | $239.3M | $202.8M | $119.2M | $14.0M | $838K | 0.47% | 2.68% | 0.10% |
Loan mix (Q2 2026): real estate $104.8M · commercial $9.5M · consumer $3.0M · securities $60.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 62.9% | 79th |
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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