| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +3.0% | -4.3 pts |
| Deposit growth (YoY) | -3.1% | +2.5% | -5.6 pts |
| Loan growth (YoY) | +5.5% | +2.6% | +2.9 pts |
| ROA | 1.18% | 0.99% | +0.2 pts |
| ROE | 4.0% | 8.1% | -4.1 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.8M | $26.4M | $12.4M | $11.3M | $222K | 1.18% | 3.60% | 0.00% |
| Q1 2026 | $38.3M | $26.9M | $13.3M | $11.2M | $136K | 1.44% | 3.69% | 0.01% |
| Q4 2025 | $37.1M | $25.9M | $13.1M | $11.0M | $499K | 1.32% | 3.48% | 0.01% |
| Q3 2025 | $37.5M | $26.2M | $11.6M | $11.0M | $388K | 1.37% | 3.47% | 0.00% |
| Q2 2025 | $38.3M | $27.2M | $11.7M | $10.9M | $259K | 1.36% | 3.48% | 0.00% |
| Q1 2025 | $38.8M | $27.8M | $12.8M | $10.8M | $148K | 1.56% | 3.54% | 0.01% |
| Q4 2024 | $37.0M | $26.3M | $12.9M | $10.6M | $351K | 0.94% | 3.22% | 0.00% |
| Q3 2024 | $36.8M | $26.0M | $11.3M | $10.7M | $297K | 1.05% | 3.21% | 0.00% |
Loan mix (Q2 2026): real estate $3.9M · commercial $1.1M · consumer $476K · securities $21.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.99% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 8.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.1% | 70.8% | 18th |
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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