| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -6.0 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 3.8% | 11.9% | -8.1 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $421.9M | $325.2M | $297.9M | $45.4M | $849K | 0.40% | 3.11% | 0.95% |
| Q1 2026 | $425.9M | $329.4M | $291.3M | $44.8M | $356K | 0.34% | 2.98% | 0.94% |
| Q4 2025 | $422.7M | $327.1M | $283.9M | $44.5M | $887K | 0.21% | 2.77% | 1.07% |
| Q3 2025 | $418.6M | $323.0M | $282.2M | $44.0M | $598K | 0.19% | 2.73% | 0.69% |
| Q2 2025 | $426.6M | $331.8M | $283.8M | $43.3M | $335K | 0.16% | 2.65% | 1.04% |
| Q1 2025 | $439.5M | $345.3M | $280.7M | $42.7M | $60K | 0.06% | 2.49% | 1.27% |
| Q4 2024 | $414.4M | $321.0M | $289.5M | $42.0M | $9K | 0.00% | 2.58% | 0.77% |
| Q3 2024 | $396.5M | $301.6M | $294.0M | $42.6M | $103K | 0.03% | 2.60% | 0.83% |
Loan mix (Q2 2026): real estate $296.4M · commercial $1.5M · consumer $3.9M · securities $76.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 62.9% | 83th |
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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