| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +3.0% | -5.0 pts |
| Deposit growth (YoY) | -3.4% | +2.5% | -5.9 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | 1.76% | 0.99% | +0.8 pts |
| ROE | 18.3% | 8.1% | +10.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.5M | $47.3M | $30.5M | $5.7M | $495K | 1.76% | 4.07% | 0.12% |
| Q1 2026 | $57.0M | $48.5M | $30.4M | $5.3M | $235K | 1.66% | 4.01% | 0.60% |
| Q4 2025 | $56.0M | $47.7M | $30.2M | $5.3M | $791K | 1.42% | 3.91% | 1.03% |
| Q3 2025 | $54.1M | $46.0M | $30.3M | $5.1M | $708K | 1.69% | 3.93% | 0.89% |
| Q2 2025 | $56.7M | $49.0M | $31.2M | $4.7M | $468K | 1.66% | 3.79% | 0.79% |
| Q1 2025 | $56.9M | $49.6M | $30.5M | $4.2M | $211K | 1.50% | 3.74% | 0.78% |
| Q4 2024 | $55.3M | $48.1M | $29.8M | $4.2M | $791K | 1.41% | 3.70% | 0.77% |
| Q3 2024 | $57.3M | $49.8M | $29.9M | $4.4M | $630K | 1.50% | 3.67% | 0.67% |
Loan mix (Q2 2026): real estate $22.3M · commercial $2.4M · consumer $4.0M · securities $19.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.99% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 8.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 70.8% | 19th |
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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