| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +3.0% | -4.8 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | -5.0% | +2.6% | -7.6 pts |
| ROA | -0.35% | 0.99% | -1.3 pts |
| ROE | -2.3% | 8.1% | -10.4 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.1M | $60.7M | $42.5M | $11.1M | $-129K | -0.35% | 3.69% | 0.62% |
| Q1 2026 | $72.4M | $60.4M | $43.2M | $10.8M | $-344K | -1.83% | 3.78% | 1.06% |
| Q4 2025 | $77.8M | $62.0M | $48.3M | $11.3M | $767K | 1.01% | 3.33% | 1.42% |
| Q3 2025 | $73.4M | $59.7M | $44.4M | $11.3M | $618K | 1.09% | 3.27% | 1.89% |
| Q2 2025 | $74.5M | $60.9M | $44.8M | $10.8M | $392K | 1.02% | 3.35% | 1.43% |
| Q1 2025 | $74.2M | $58.3M | $42.7M | $10.4M | $301K | 1.55% | 3.31% | 0.39% |
| Q4 2024 | $81.0M | $62.0M | $49.4M | $10.0M | $757K | 0.95% | 3.15% | 0.06% |
| Q3 2024 | $76.3M | $60.1M | $43.9M | $10.7M | $639K | 1.07% | 3.25% | 0.07% |
Loan mix (Q2 2026): real estate $19.3M · commercial $8.4M · consumer $1.9M · securities $22.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.35% | 0.99% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 8.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 70.8% | 14th |
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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