No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $215.7M | $189.7M | $70.7M | $12.3M | $251K | 0.23% | 2.63% | 0.12% |
| Q1 2026 | $210.2M | $175.3M | $65.2M | $12.8M | $101K | 0.19% | 2.58% | 0.03% |
| Q4 2025 | $221.4M | $198.1M | $64.5M | $12.7M | $726K | 0.32% | 2.17% | 0.01% |
| Q3 2025 | $218.6M | $197.7M | $63.7M | $11.3M | $372K | 0.22% | 2.08% | 0.01% |
| Q2 2025 | $225.5M | $216.0M | $63.1M | $8.3M | $232K | 0.20% | 1.98% | 0.00% |
| Q1 2025 | $230.8M | $209.6M | $63.6M | $9.2M | $148K | 0.26% | 2.07% | 0.06% |
| Q4 2024 | $223.7M | $214.0M | $47.1M | $8.9M | $906K | 0.43% | 2.23% | 0.00% |
| Q3 2024 | $226.9M | $194.0M | $50.2M | $12.0M | $756K | 0.49% | 2.30% | 0.00% |
Loan mix (Q2 2026): real estate $67.0M · commercial $2.5M · consumer $2.0M · securities $128.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 62.9% | 96th |
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% |
The full ratio pack is part of CharterBench Pro.