| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +4.4% | -9.7 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | -9.4% | +5.6% | -15.0 pts |
| ROA | 0.44% | 1.24% | -0.8 pts |
| ROE | 4.9% | 11.9% | -6.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $276.9M | $207.1M | $192.8M | $25.0M | $622K | 0.44% | 2.89% | 0.57% |
| Q1 2026 | $281.8M | $201.4M | $198.0M | $25.2M | $301K | 0.42% | 2.90% | 0.93% |
| Q4 2025 | $288.2M | $205.7M | $202.5M | $25.5M | $1.5M | 0.51% | 2.76% | 0.91% |
| Q3 2025 | $298.2M | $214.0M | $209.2M | $25.2M | $1.0M | 0.45% | 2.69% | 0.88% |
| Q2 2025 | $292.4M | $200.4M | $212.9M | $24.7M | $610K | 0.41% | 2.70% | 1.04% |
| Q1 2025 | $296.1M | $202.9M | $209.2M | $24.6M | $185K | 0.25% | 2.71% | 0.81% |
| Q4 2024 | $293.7M | $193.5M | $210.7M | $24.5M | $228K | 0.08% | 2.44% | 0.82% |
| Q3 2024 | $292.3M | $195.0M | $210.2M | $26.4M | $573K | 0.26% | 2.40% | 0.82% |
Loan mix (Q2 2026): real estate $189.9M · commercial $5.2M · consumer $176K · securities $68.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 62.9% | 86th |
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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