| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +4.4% | -6.7 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.0 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.3M | $103.2M | $87.3M | $14.6M | $694K | 1.03% | 3.18% | 0.06% |
| Q1 2026 | $135.1M | $104.4M | $86.3M | $14.2M | $340K | 1.00% | 3.04% | 0.00% |
| Q4 2025 | $137.2M | $103.7M | $86.1M | $13.9M | $1.1M | 0.80% | 2.68% | 0.00% |
| Q3 2025 | $139.9M | $107.0M | $79.7M | $13.2M | $799K | 0.78% | 2.58% | 0.36% |
| Q2 2025 | $136.5M | $100.9M | $78.2M | $12.2M | $450K | 0.66% | 2.47% | 0.26% |
| Q1 2025 | $140.4M | $100.8M | $76.3M | $11.8M | $174K | 0.51% | 2.36% | 0.29% |
| Q4 2024 | $132.1M | $95.6M | $76.6M | $11.3M | $537K | 0.37% | 1.94% | 0.28% |
| Q3 2024 | $141.4M | $98.0M | $74.0M | $11.6M | $399K | 0.36% | 1.87% | 0.27% |
Loan mix (Q2 2026): real estate $59.8M · commercial $3.5M · consumer $3.2M · securities $35.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 62.9% | 54th |
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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