| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 0.49% | 1.24% | -0.7 pts |
| ROE | 3.2% | 11.9% | -8.6 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 | $189.1M | $144.4M | $146.6M | $28.7M | $462K | 0.49% | 4.04% | 2.27% |
| Q1 2026 | $186.8M | $143.4M | $146.9M | $28.6M | $259K | 0.56% | 4.10% | 1.98% |
| Q4 2025 | $186.5M | $139.7M | $146.7M | $28.4M | $546K | 0.29% | 3.67% | 1.84% |
| Q3 2025 | $186.4M | $145.3M | $146.4M | $27.9M | $454K | 0.33% | 3.59% | 1.83% |
| Q2 2025 | $185.6M | $139.7M | $145.0M | $27.6M | $217K | 0.23% | 3.51% | 1.67% |
| Q1 2025 | $186.5M | $143.8M | $142.6M | $27.5M | $64K | 0.14% | 3.43% | 1.72% |
| Q4 2024 | $182.9M | $141.5M | $141.4M | $27.3M | $678K | 0.38% | 3.51% | 1.57% |
| Q3 2024 | $181.6M | $140.8M | $137.8M | $26.6M | $453K | 0.34% | 3.53% | 1.58% |
Loan mix (Q2 2026): real estate $146.1M · commercial $1.3M · consumer $1.1M · securities $14.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 62.9% | 90th |
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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