| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +3.0% | -9.2 pts |
| Deposit growth (YoY) | -8.4% | +2.5% | -10.8 pts |
| Loan growth (YoY) | +9.4% | +2.6% | +6.8 pts |
| ROA | 2.27% | 0.99% | +1.3 pts |
| ROE | 16.5% | 8.1% | +8.4 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.2M | $67.1M | $38.4M | $11.0M | $901K | 2.27% | 5.15% | 0.62% |
| Q1 2026 | $81.7M | $70.5M | $39.2M | $11.1M | $448K | 2.25% | 5.04% | 0.62% |
| Q4 2025 | $77.8M | $67.0M | $38.6M | $10.8M | $2.0M | 2.44% | 5.22% | 0.68% |
| Q3 2025 | $83.9M | $72.9M | $36.7M | $10.9M | $1.5M | 2.40% | 5.13% | 0.64% |
| Q2 2025 | $83.4M | $73.2M | $35.1M | $10.0M | $963K | 2.37% | 5.06% | 0.67% |
| Q1 2025 | $82.7M | $72.6M | $32.6M | $10.0M | $464K | 2.32% | 4.96% | 0.70% |
| Q4 2024 | $77.3M | $67.9M | $31.6M | $9.3M | $1.8M | 2.24% | 4.82% | 0.78% |
| Q3 2024 | $79.1M | $69.2M | $29.5M | $9.7M | $1.4M | 2.23% | 4.76% | 0.78% |
Loan mix (Q2 2026): real estate $35.8M · commercial $2.1M · consumer $998K · securities $21.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 0.99% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 8.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 70.8% | 15th |
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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