| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +4.4% | -8.0 pts |
| Deposit growth (YoY) | -5.5% | +4.0% | -9.4 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | 0.30% | 1.24% | -0.9 pts |
| ROE | 9.6% | 11.9% | -2.2 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $218.4M | $211.1M | $49.4M | $6.4M | $321K | 0.30% | 1.84% | 0.00% |
| Q1 2026 | $211.2M | $203.7M | $50.3M | $6.7M | $179K | 0.34% | 1.97% | 0.00% |
| Q4 2025 | $212.0M | $203.7M | $50.0M | $6.8M | $104K | 0.05% | 1.79% | 0.00% |
| Q3 2025 | $192.2M | $185.5M | $44.8M | $5.9M | $-5K | -0.00% | 1.77% | 0.00% |
| Q2 2025 | $226.5M | $223.4M | $45.1M | $2.4M | $-63K | -0.06% | 1.73% | 0.00% |
| Q1 2025 | $207.2M | $204.7M | $35.9M | $1.8M | $-53K | -0.10% | 1.71% | 0.00% |
| Q4 2024 | $215.1M | $214.0M | $33.0M | $224K | $-583K | -0.26% | 1.38% | 0.00% |
| Q3 2024 | $203.9M | $188.3M | $31.1M | $4.5M | $-500K | -0.30% | 1.32% | 0.00% |
Loan mix (Q2 2026): real estate $39.7M · commercial $9.0M · consumer $1.0M · securities $126.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 62.9% | 90th |
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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