| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | -4.6% | +5.6% | -10.2 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.3M | $185.1M | $64.1M | $12.5M | $853K | 0.87% | 2.64% | 0.00% |
| Q1 2026 | $188.8M | $176.4M | $67.9M | $11.7M | $483K | 0.99% | 2.57% | 0.00% |
| Q4 2025 | $200.2M | $179.1M | $67.1M | $12.9M | $1.6M | 0.77% | 2.42% | 0.00% |
| Q3 2025 | $208.2M | $188.4M | $67.8M | $11.5M | $1.2M | 0.81% | 2.37% | 0.00% |
| Q2 2025 | $204.9M | $186.7M | $67.2M | $10.0M | $765K | 0.77% | 2.32% | 0.00% |
| Q1 2025 | $193.9M | $177.5M | $68.9M | $8.2M | $444K | 0.91% | 2.33% | 0.00% |
| Q4 2024 | $194.5M | $179.8M | $69.3M | $6.5M | $1.1M | 0.54% | 2.11% | 0.00% |
| Q3 2024 | $199.6M | $174.8M | $69.0M | $8.9M | $763K | 0.52% | 2.05% | 0.01% |
Loan mix (Q2 2026): real estate $60.2M · commercial $4.3M · consumer $627K · securities $108.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 62.9% | 46th |
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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