| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +4.9% | -9.8 pts |
| Deposit growth (YoY) | -3.8% | +4.3% | -8.2 pts |
| Loan growth (YoY) | -4.9% | +5.3% | -10.3 pts |
| ROA | 0.37% | 1.28% | -0.9 pts |
| ROE | 4.0% | 12.4% | -8.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $575.6M | $472.8M | $424.4M | $53.9M | $1.1M | 0.37% | 3.19% | 0.20% |
| Q1 2026 | $579.0M | $458.0M | $426.7M | $52.5M | $427K | 0.29% | 3.10% | 0.24% |
| Q4 2025 | $605.0M | $487.6M | $449.2M | $53.7M | $2.2M | 0.36% | 2.92% | 0.21% |
| Q3 2025 | $608.6M | $492.4M | $448.6M | $51.8M | $1.3M | 0.29% | 2.85% | 0.30% |
| Q2 2025 | $605.1M | $491.6M | $446.4M | $49.5M | $684K | 0.22% | 2.78% | 0.38% |
| Q1 2025 | $605.1M | $484.3M | $450.5M | $49.1M | $278K | 0.18% | 2.74% | 1.46% |
| Q4 2024 | $622.5M | $470.3M | $466.4M | $49.2M | $2.0M | 0.32% | 2.76% | 1.52% |
| Q3 2024 | $635.2M | $473.8M | $478.2M | $51.0M | $1.5M | 0.31% | 2.72% | 1.22% |
Loan mix (Q2 2026): real estate $354.6M · commercial $68.5M · consumer $5.3M · securities $88.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 12.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 61.2% | 95th |
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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