| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +3.0% | -6.0 pts |
| Deposit growth (YoY) | -4.1% | +2.5% | -6.6 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | 1.15% | 0.99% | +0.2 pts |
| ROE | 13.2% | 8.1% | +5.1 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.0M | $83.2M | $75.3M | $8.7M | $559K | 1.15% | 4.45% | 0.14% |
| Q1 2026 | $99.8M | $90.1M | $70.5M | $8.3M | $316K | 1.28% | 4.30% | 1.80% |
| Q4 2025 | $97.8M | $88.0M | $69.7M | $8.4M | $777K | 0.81% | 4.14% | 0.44% |
| Q3 2025 | $94.5M | $85.3M | $68.4M | $7.8M | $533K | 0.75% | 4.15% | 0.45% |
| Q2 2025 | $95.9M | $86.8M | $70.6M | $7.7M | $318K | 0.67% | 4.13% | 0.00% |
| Q1 2025 | $92.7M | $83.6M | $71.3M | $7.5M | $98K | 0.41% | 3.82% | 0.03% |
| Q4 2024 | $96.5M | $86.4M | $68.0M | $7.5M | $649K | 0.71% | 3.67% | 0.12% |
| Q3 2024 | $87.8M | $77.9M | $66.7M | $7.4M | $375K | 0.55% | 3.67% | 0.04% |
Loan mix (Q2 2026): real estate $50.3M · commercial $8.8M · consumer $387K · securities $12.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 8.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 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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