| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.0% | -0.4 pts |
| Deposit growth (YoY) | +2.2% | +2.5% | -0.3 pts |
| Loan growth (YoY) | -11.3% | +2.6% | -13.9 pts |
| ROA | 0.63% | 0.99% | -0.4 pts |
| ROE | 5.7% | 8.1% | -2.4 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.5M | $76.2M | $56.1M | $9.8M | $275K | 0.63% | 5.51% | 0.53% |
| Q1 2026 | $88.1M | $77.0M | $57.5M | $9.7M | $123K | 0.57% | 5.26% | 0.82% |
| Q4 2025 | $85.6M | $74.6M | $61.9M | $9.6M | $1.4M | 1.66% | 5.53% | 0.90% |
| Q3 2025 | $84.6M | $73.6M | $62.1M | $9.3M | $1.1M | 1.64% | 5.54% | 0.82% |
| Q2 2025 | $85.4M | $74.6M | $63.3M | $9.1M | $828K | 1.91% | 5.46% | 0.84% |
| Q1 2025 | $87.0M | $74.4M | $65.4M | $8.9M | $243K | 1.11% | 5.36% | 0.84% |
| Q4 2024 | $88.0M | $71.1M | $65.3M | $8.6M | $939K | 1.04% | 4.95% | 0.76% |
| Q3 2024 | $90.8M | $77.7M | $65.3M | $9.3M | $678K | 0.99% | 4.72% | 0.61% |
Loan mix (Q2 2026): real estate $50.1M · commercial $4.6M · consumer $1.8M · securities $5.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.99% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 8.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 70.8% | 80th |
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% |
The full ratio pack is part of CharterBench Pro.