| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +4.4% | -10.4 pts |
| Deposit growth (YoY) | -6.6% | +4.0% | -10.6 pts |
| Loan growth (YoY) | -7.1% | +5.6% | -12.7 pts |
| ROA | 3.31% | 1.24% | +2.1 pts |
| ROE | 27.1% | 11.9% | +15.3 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.5M | $91.8M | $85.7M | $13.4M | $1.8M | 3.31% | 4.82% | 1.02% |
| Q1 2026 | $109.8M | $91.4M | $87.3M | $13.4M | $942K | 3.45% | 4.68% | 1.03% |
| Q4 2025 | $108.9M | $91.0M | $89.9M | $13.3M | $3.9M | 3.40% | 4.62% | 1.90% |
| Q3 2025 | $113.4M | $94.8M | $92.1M | $13.4M | $3.1M | 3.56% | 4.61% | 1.94% |
| Q2 2025 | $116.5M | $98.3M | $92.3M | $13.4M | $2.2M | 3.71% | 4.64% | 1.90% |
| Q1 2025 | $117.9M | $98.7M | $96.6M | $13.6M | $1.2M | 4.14% | 4.75% | 1.40% |
| Q4 2024 | $114.0M | $95.4M | $98.2M | $13.4M | $4.1M | 3.74% | 4.86% | 2.15% |
| Q3 2024 | $111.6M | $92.4M | $95.3M | $13.5M | $3.1M | 3.80% | 4.89% | 2.14% |
Loan mix (Q2 2026): real estate $86.2M · commercial $551K · consumer $2K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.31% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 27.1% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 27.8% | 62.9% | 1th |
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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