| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.0% | -0.7 pts |
| Deposit growth (YoY) | -0.1% | +2.5% | -2.6 pts |
| Loan growth (YoY) | +1.0% | +2.6% | -1.6 pts |
| ROA | 0.50% | 0.99% | -0.5 pts |
| ROE | 4.8% | 8.1% | -3.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.4M | $73.6M | $72.4M | $9.9M | $236K | 0.50% | 3.50% | 1.59% |
| Q1 2026 | $92.8M | $75.7M | $70.2M | $9.8M | $133K | 0.57% | 3.50% | 1.62% |
| Q4 2025 | $95.1M | $76.2M | $72.1M | $9.7M | $354K | 0.38% | 3.24% | 1.74% |
| Q3 2025 | $94.4M | $75.5M | $72.4M | $9.6M | $269K | 0.39% | 3.19% | 1.43% |
| Q2 2025 | $92.3M | $73.7M | $71.6M | $9.4M | $139K | 0.31% | 3.22% | 1.48% |
| Q1 2025 | $89.9M | $73.0M | $69.3M | $9.3M | $68K | 0.30% | 3.18% | 1.48% |
| Q4 2024 | $90.9M | $73.1M | $70.1M | $9.2M | $-8K | -0.01% | 2.90% | 1.51% |
| Q3 2024 | $93.0M | $75.0M | $70.0M | $9.3M | $71K | 0.11% | 2.88% | 1.94% |
Loan mix (Q2 2026): real estate $69.4M · commercial $1.9M · consumer $1.2M · securities $6.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.99% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 8.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 70.8% | 65th |
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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