| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.6 pts |
| Deposit growth (YoY) | -5.3% | +4.0% | -9.2 pts |
| Loan growth (YoY) | -1.4% | +5.6% | -7.0 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 6.6% | 11.9% | -5.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $282.6M | $207.8M | $247.4M | $30.1M | $1.0M | 0.70% | 3.37% | 0.42% |
| Q1 2026 | $287.8M | $213.8M | $251.0M | $30.5M | $477K | 0.66% | 3.22% | 0.41% |
| Q4 2025 | $289.1M | $214.0M | $251.9M | $30.1M | $963K | 0.33% | 2.73% | 0.42% |
| Q3 2025 | $289.0M | $221.7M | $250.5M | $29.7M | $578K | 0.27% | 2.62% | 0.53% |
| Q2 2025 | $286.2M | $219.4M | $250.9M | $29.3M | $249K | 0.17% | 2.50% | 0.78% |
| Q1 2025 | $296.0M | $223.6M | $252.7M | $29.1M | $55K | 0.08% | 2.37% | 0.71% |
| Q4 2024 | $287.9M | $209.7M | $250.8M | $29.0M | $-888K | -0.31% | 2.21% | 0.60% |
| Q3 2024 | $289.8M | $202.3M | $255.3M | $29.0M | $-961K | -0.45% | 2.16% | 1.13% |
Loan mix (Q2 2026): real estate $247.8M · commercial $493K · consumer $741K · securities $8.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 62.9% | 66th |
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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