| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 6.5% | 11.9% | -5.4 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.9M | $137.2M | $101.0M | $14.4M | $469K | 0.60% | 3.88% | 1.25% |
| Q1 2026 | $156.0M | $136.9M | $98.4M | $14.0M | $25K | 0.06% | 3.82% | 1.26% |
| Q4 2025 | $152.3M | $132.2M | $96.7M | $14.9M | $1.7M | 1.18% | 4.01% | 0.35% |
| Q3 2025 | $153.7M | $132.5M | $94.4M | $14.4M | $1.3M | 1.20% | 4.03% | 0.35% |
| Q2 2025 | $152.5M | $132.2M | $94.6M | $13.7M | $836K | 1.15% | 3.99% | 0.36% |
| Q1 2025 | $143.0M | $123.3M | $90.8M | $13.1M | $386K | 1.09% | 3.94% | 0.39% |
| Q4 2024 | $141.3M | $120.0M | $89.7M | $13.1M | $1.4M | 0.97% | 3.77% | 0.40% |
| Q3 2024 | $145.5M | $118.6M | $86.9M | $13.3M | $1.1M | 1.00% | 3.76% | 0.40% |
Loan mix (Q2 2026): real estate $83.2M · commercial $6.7M · consumer $2.8M · securities $36.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 47th |
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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