| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +4.4% | -7.2 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.8 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.8M | $105.8M | $99.1M | $13.8M | $410K | 0.66% | 3.96% | 4.76% |
| Q1 2026 | $124.9M | $106.6M | $85.0M | $13.7M | $193K | 0.61% | 3.73% | 4.22% |
| Q4 2025 | $127.3M | $108.8M | $87.0M | $13.5M | $709K | 0.56% | 3.97% | 4.47% |
| Q3 2025 | $122.4M | $102.2M | $87.9M | $12.8M | $-22K | -0.02% | 3.86% | 6.07% |
| Q2 2025 | $126.3M | $106.4M | $89.0M | $12.6M | $-143K | -0.22% | 3.83% | 4.92% |
| Q1 2025 | $129.0M | $108.8M | $90.9M | $12.5M | $-230K | -0.71% | 3.68% | 4.76% |
| Q4 2024 | $130.2M | $109.7M | $94.7M | $12.7M | $-702K | -0.56% | 4.57% | 4.93% |
| Q3 2024 | $125.1M | $102.4M | $93.9M | $13.8M | $353K | 0.38% | 4.59% | 8.16% |
Loan mix (Q2 2026): real estate $54.8M · commercial $11.9M · consumer $4.3M · securities $13.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 62.9% | 81th |
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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