| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +2.3% | +2.5% | -0.2 pts |
| Loan growth (YoY) | -0.9% | +2.6% | -3.5 pts |
| ROA | 0.30% | 0.99% | -0.7 pts |
| ROE | 2.9% | 8.1% | -5.2 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.3M | $23.5M | $19.6M | $2.8M | $40K | 0.30% | 2.28% | 0.83% |
| Q1 2026 | $27.1M | $24.2M | $19.7M | $2.7M | $16K | 0.24% | 2.19% | 0.80% |
| Q4 2025 | $27.0M | $24.2M | $20.2M | $2.7M | $58K | 0.22% | 2.26% | 0.39% |
| Q3 2025 | $26.3M | $23.4M | $19.8M | $2.7M | $40K | 0.21% | 2.25% | 0.39% |
| Q2 2025 | $25.7M | $22.9M | $19.7M | $2.7M | $19K | 0.15% | 2.18% | 0.65% |
| Q1 2025 | $25.3M | $22.4M | $19.6M | $2.7M | $0 | 0.00% | 2.10% | 1.13% |
| Q4 2024 | $25.0M | $22.3M | $19.7M | $2.7M | $-8K | -0.03% | 2.06% | 0.70% |
| Q3 2024 | $24.6M | $21.7M | $20.1M | $2.7M | $-4K | -0.02% | 2.11% | 0.72% |
Loan mix (Q2 2026): real estate $19.6M · commercial $0 · consumer $112K · securities $2K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.99% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 8.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 70.8% | 74th |
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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