| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | -0.4% | +4.0% | -4.3 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 0.50% | 1.24% | -0.7 pts |
| ROE | 3.8% | 11.9% | -8.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.5M | $250.7M | $209.9M | $39.8M | $743K | 0.50% | 3.21% | 0.92% |
| Q1 2026 | $294.8M | $253.7M | $211.7M | $39.4M | $348K | 0.47% | 3.12% | 0.81% |
| Q4 2025 | $295.5M | $254.8M | $212.5M | $39.0M | $1.0M | 0.34% | 2.87% | 0.74% |
| Q3 2025 | $293.7M | $253.1M | $210.7M | $38.5M | $663K | 0.30% | 2.80% | 0.56% |
| Q2 2025 | $292.6M | $251.6M | $214.0M | $38.0M | $331K | 0.23% | 2.75% | 0.57% |
| Q1 2025 | $290.9M | $251.0M | $207.4M | $37.7M | $122K | 0.17% | 2.64% | 0.45% |
| Q4 2024 | $293.0M | $252.0M | $205.4M | $37.3M | $421K | 0.15% | 2.55% | 0.45% |
| Q3 2024 | $287.4M | $244.2M | $205.2M | $37.4M | $263K | 0.13% | 2.52% | 0.57% |
Loan mix (Q2 2026): real estate $210.1M · commercial $0 · consumer $1.3M · securities $38.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 62.9% | 86th |
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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