| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 0.16% | 1.24% | -1.1 pts |
| ROE | 1.1% | 11.9% | -10.7 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $131.6M | $99.0M | $80.2M | $18.7M | $106K | 0.16% | 2.65% | 0.03% |
| Q1 2026 | $131.4M | $98.9M | $76.9M | $18.8M | $30K | 0.09% | 2.58% | 0.00% |
| Q4 2025 | $131.0M | $97.5M | $77.8M | $18.9M | $-42K | -0.03% | 2.50% | 0.22% |
| Q3 2025 | $132.5M | $98.9M | $77.8M | $18.8M | $-74K | -0.08% | 2.47% | 0.02% |
| Q2 2025 | $130.2M | $95.7M | $77.0M | $17.8M | $-42K | -0.06% | 2.47% | 0.15% |
| Q1 2025 | $129.2M | $96.8M | $74.4M | $17.7M | $-29K | -0.09% | 2.41% | 0.15% |
| Q4 2024 | $128.7M | $94.6M | $73.0M | $17.0M | $-138K | -0.11% | 2.48% | 0.03% |
| Q3 2024 | $128.9M | $93.7M | $71.6M | $18.2M | $-119K | -0.12% | 2.48% | 0.08% |
Loan mix (Q2 2026): real estate $78.0M · commercial $2.3M · consumer $655K · securities $40.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 62.9% | 95th |
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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