| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.7% | +4.4% | -14.1 pts |
| Deposit growth (YoY) | -12.0% | +4.0% | -16.0 pts |
| Loan growth (YoY) | -12.2% | +5.6% | -17.8 pts |
| ROA | 0.37% | 1.24% | -0.9 pts |
| ROE | 5.3% | 11.9% | -6.6 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 | $280.0M | $234.1M | $166.1M | $20.0M | $525K | 0.37% | 3.77% | 0.22% |
| Q1 2026 | $286.3M | $240.6M | $178.1M | $19.7M | $262K | 0.37% | 3.82% | 0.23% |
| Q4 2025 | $287.3M | $241.4M | $183.0M | $19.7M | $254K | 0.08% | 3.63% | 0.23% |
| Q3 2025 | $298.4M | $253.1M | $184.9M | $19.1M | $27K | 0.01% | 3.58% | 0.24% |
| Q2 2025 | $310.1M | $266.1M | $189.2M | $17.9M | $256K | 0.16% | 3.60% | 0.25% |
| Q1 2025 | $319.0M | $272.4M | $190.6M | $18.2M | $113K | 0.14% | 3.49% | 0.05% |
| Q4 2024 | $311.2M | $265.4M | $186.7M | $17.1M | $587K | 0.19% | 3.42% | 0.04% |
| Q3 2024 | $320.9M | $272.6M | $190.2M | $19.2M | $558K | 0.24% | 3.45% | 0.03% |
Loan mix (Q2 2026): real estate $109.2M · commercial $47.8M · consumer $12.1M · securities $59.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 62.9% | 93th |
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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