| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.0% | -1.1 pts |
| Deposit growth (YoY) | +7.1% | +2.5% | +4.6 pts |
| Loan growth (YoY) | +2.5% | +2.6% | -0.1 pts |
| ROA | 0.54% | 0.99% | -0.5 pts |
| ROE | 2.1% | 8.1% | -6.0 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.3M | $30.3M | $36.4M | $10.6M | $110K | 0.54% | 4.12% | 2.74% |
| Q1 2026 | $40.8M | $29.9M | $36.5M | $10.5M | $63K | 0.62% | 4.14% | 1.94% |
| Q4 2025 | $40.4M | $29.6M | $36.3M | $10.5M | $95K | 0.23% | 3.67% | 2.02% |
| Q3 2025 | $41.4M | $29.0M | $36.4M | $10.6M | $91K | 0.30% | 3.65% | 1.64% |
| Q2 2025 | $40.5M | $28.3M | $35.5M | $10.5M | $66K | 0.33% | 3.69% | 1.72% |
| Q1 2025 | $39.8M | $27.7M | $35.4M | $10.4M | $26K | 0.26% | 3.58% | 1.47% |
| Q4 2024 | $40.5M | $28.5M | $35.3M | $10.3M | $90K | 0.23% | 3.50% | 1.50% |
| Q3 2024 | $39.4M | $27.4M | $34.5M | $10.2M | $74K | 0.26% | 3.56% | 1.50% |
Loan mix (Q2 2026): real estate $31.8M · commercial $4.2M · consumer $543K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.99% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 70.8% | 73th |
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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