| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.0% | -6.4 pts |
| Deposit growth (YoY) | -3.1% | +2.5% | -5.6 pts |
| Loan growth (YoY) | -6.9% | +2.6% | -9.5 pts |
| ROA | 1.27% | 0.99% | +0.3 pts |
| ROE | 11.3% | 8.1% | +3.2 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.1M | $47.7M | $34.6M | $6.7M | $369K | 1.27% | 3.70% | 0.53% |
| Q1 2026 | $57.0M | $48.4M | $34.4M | $6.4M | $195K | 1.35% | 3.68% | 0.74% |
| Q4 2025 | $58.8M | $48.4M | $35.0M | $6.6M | $599K | 1.01% | 3.71% | 0.62% |
| Q3 2025 | $59.6M | $47.2M | $36.5M | $6.4M | $518K | 1.17% | 3.73% | 0.67% |
| Q2 2025 | $60.2M | $49.2M | $37.1M | $5.8M | $348K | 1.18% | 3.75% | 1.14% |
| Q1 2025 | $58.1M | $49.9M | $35.6M | $6.0M | $195K | 1.34% | 3.76% | 0.42% |
| Q4 2024 | $58.4M | $49.7M | $37.0M | $5.7M | $602K | 1.02% | 3.44% | 0.42% |
| Q3 2024 | $59.7M | $49.2M | $37.1M | $6.1M | $88K | 0.20% | 3.36% | 0.12% |
Loan mix (Q2 2026): real estate $17.1M · commercial $5.9M · consumer $866K · securities $19.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.99% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 8.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 70.8% | 37th |
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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