| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +3.0% | +4.4 pts |
| Deposit growth (YoY) | +8.5% | +2.5% | +6.0 pts |
| Loan growth (YoY) | -6.3% | +2.6% | -8.9 pts |
| ROA | 0.56% | 0.99% | -0.4 pts |
| ROE | 3.2% | 8.1% | -4.9 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.9M | $55.7M | $41.9M | $11.8M | $189K | 0.56% | 4.67% | 0.28% |
| Q1 2026 | $68.2M | $56.0M | $40.6M | $11.8M | $99K | 0.59% | 4.65% | 0.39% |
| Q4 2025 | $66.1M | $53.9M | $49.7M | $11.7M | $339K | 0.54% | 4.83% | 0.57% |
| Q3 2025 | $66.3M | $54.2M | $48.1M | $11.6M | $297K | 0.63% | 4.76% | 0.44% |
| Q2 2025 | $63.2M | $51.3M | $44.7M | $11.5M | $183K | 0.60% | 4.69% | 0.67% |
| Q1 2025 | $60.1M | $48.3M | $41.7M | $11.4M | $87K | 0.58% | 4.67% | 0.00% |
| Q4 2024 | $59.9M | $48.2M | $47.9M | $11.3M | $221K | 0.38% | 4.94% | 0.27% |
| Q3 2024 | $58.0M | $46.2M | $47.7M | $11.3M | $159K | 0.37% | 4.93% | 0.27% |
Loan mix (Q2 2026): real estate $20.8M · commercial $2.3M · consumer $5.7M · securities $9.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.99% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 8.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 70.8% | 77th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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