| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 3.1% | 11.9% | -8.7 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $485.8M | $390.3M | $350.5M | $82.3M | $1.3M | 0.53% | 3.07% | 0.37% |
| Q1 2026 | $478.4M | $383.8M | $346.0M | $81.7M | $778K | 0.65% | 3.04% | 0.23% |
| Q4 2025 | $477.0M | $383.1M | $347.8M | $81.0M | $3.2M | 0.67% | 2.99% | 0.19% |
| Q3 2025 | $472.4M | $379.6M | $345.7M | $79.9M | $2.5M | 0.71% | 2.97% | 0.25% |
| Q2 2025 | $485.9M | $394.5M | $345.7M | $78.5M | $1.6M | 0.67% | 2.90% | 0.14% |
| Q1 2025 | $481.7M | $384.8M | $339.9M | $77.0M | $610K | 0.51% | 2.81% | 0.15% |
| Q4 2024 | $472.0M | $376.3M | $336.8M | $75.6M | $2.2M | 0.47% | 2.83% | 0.20% |
| Q3 2024 | $462.6M | $366.6M | $332.3M | $76.2M | $1.8M | 0.52% | 2.84% | 0.27% |
Loan mix (Q2 2026): real estate $349.9M · commercial $3.2M · consumer $892K · securities $73.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 62.9% | 82th |
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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