| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -7.0 pts |
| Loan growth (YoY) | -3.4% | +5.6% | -9.0 pts |
| ROA | -0.48% | 1.24% | -1.7 pts |
| ROE | -6.2% | 11.9% | -18.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $207.1M | $190.6M | $87.5M | $15.9M | $-500K | -0.48% | 3.07% | 6.75% |
| Q1 2026 | $209.3M | $193.1M | $85.0M | $15.5M | $-292K | -0.56% | 2.99% | 7.33% |
| Q4 2025 | $206.1M | $188.8M | $86.3M | $16.7M | $-1.4M | -0.68% | 2.77% | 7.84% |
| Q3 2025 | $204.8M | $189.1M | $88.2M | $14.9M | $-2.1M | -1.32% | 2.68% | 8.49% |
| Q2 2025 | $210.7M | $196.5M | $90.6M | $13.4M | $-1.6M | -1.51% | 2.63% | 9.35% |
| Q1 2025 | $210.5M | $195.9M | $92.9M | $13.9M | $-1.4M | -2.58% | 2.54% | 9.99% |
| Q4 2024 | $212.5M | $197.3M | $95.1M | $14.5M | $-1.4M | -0.62% | 2.51% | 10.99% |
| Q3 2024 | $210.8M | $190.9M | $102.6M | $16.0M | $-1.6M | -0.99% | 2.53% | 12.00% |
Loan mix (Q2 2026): real estate $42.6M · commercial $2.0M · consumer $18.3M · securities $90.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.48% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -6.2% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.3% | 62.9% | 98th |
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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