| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +0.0% | +5.6% | -5.5 pts |
| ROA | 0.48% | 1.24% | -0.8 pts |
| ROE | 4.2% | 11.9% | -7.7 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.5M | $141.4M | $86.8M | $17.9M | $366K | 0.48% | 2.88% | 0.65% |
| Q1 2026 | $146.1M | $128.4M | $85.5M | $17.5M | $167K | 0.45% | 2.85% | 0.67% |
| Q4 2025 | $151.4M | $133.6M | $84.3M | $17.6M | $600K | 0.40% | 2.68% | 0.60% |
| Q3 2025 | $146.0M | $128.7M | $84.6M | $17.1M | $390K | 0.34% | 2.61% | 0.65% |
| Q2 2025 | $151.9M | $135.2M | $86.8M | $16.4M | $184K | 0.24% | 2.55% | 0.76% |
| Q1 2025 | $148.6M | $132.2M | $86.5M | $16.1M | $65K | 0.17% | 2.37% | 0.53% |
| Q4 2024 | $157.7M | $141.8M | $86.3M | $15.6M | $275K | 0.17% | 2.21% | 0.71% |
| Q3 2024 | $158.9M | $142.2M | $85.8M | $16.4M | $89K | 0.07% | 2.13% | 0.81% |
Loan mix (Q2 2026): real estate $84.0M · commercial $1.4M · consumer $2.4M · securities $41.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 62.9% | 85th |
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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