| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | -5.4% | +4.0% | -9.3 pts |
| Loan growth (YoY) | +28.3% | +5.6% | +22.7 pts |
| ROA | 0.49% | 1.24% | -0.7 pts |
| ROE | 72.4% | 11.9% | +60.5 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $388.1M | $364.9M | $155.9M | $4.0M | $952K | 0.49% | 2.54% | 0.75% |
| Q1 2026 | $383.8M | $364.5M | $145.9M | $3.0M | $1.0M | 1.08% | 2.45% | 0.79% |
| Q4 2025 | $386.4M | $371.4M | $142.0M | $911K | $-779K | -0.20% | 2.28% | 0.46% |
| Q3 2025 | $391.6M | $379.4M | $144.5M | $667K | $-607K | -0.21% | 2.23% | 0.89% |
| Q2 2025 | $400.3M | $385.6M | $121.5M | $134K | $-499K | -0.25% | 2.15% | 0.62% |
| Q1 2025 | $393.6M | $388.1M | $122.5M | $-110K | $-80K | -0.08% | 2.21% | 0.64% |
| Q4 2024 | $387.3M | $382.8M | $119.0M | $-62K | $-307K | -0.08% | 2.13% | 0.59% |
| Q3 2024 | $396.7M | $393.0M | $123.0M | $-1.5M | $-185K | -0.06% | 2.07% | 0.57% |
Loan mix (Q2 2026): real estate $121.0M · commercial $18.1M · consumer $1.9M · securities $193.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 72.4% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 62.9% | 73th |
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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