| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +3.0% | -8.2 pts |
| Deposit growth (YoY) | -7.0% | +2.5% | -9.5 pts |
| Loan growth (YoY) | -4.2% | +2.6% | -6.8 pts |
| ROA | 0.32% | 0.99% | -0.7 pts |
| ROE | 1.3% | 8.1% | -6.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.9M | $41.6M | $34.8M | $13.4M | $88K | 0.32% | 2.49% | 0.14% |
| Q1 2026 | $55.6M | $41.5M | $36.6M | $13.3M | $42K | 0.30% | 2.44% | 0.15% |
| Q4 2025 | $55.5M | $41.5M | $36.9M | $13.3M | $-62K | -0.11% | 1.99% | 0.15% |
| Q3 2025 | $56.8M | $42.9M | $36.2M | $13.3M | $-98K | -0.22% | 1.87% | 0.14% |
| Q2 2025 | $59.0M | $44.7M | $36.4M | $13.3M | $-45K | -0.15% | 1.77% | 0.22% |
| Q1 2025 | $58.5M | $44.5M | $35.9M | $13.3M | $-45K | -0.30% | 1.65% | 0.14% |
| Q4 2024 | $60.3M | $46.4M | $35.6M | $13.4M | $-2K | -0.00% | 1.77% | 0.14% |
| Q3 2024 | $59.0M | $45.1M | $35.5M | $13.3M | $-61K | -0.14% | 1.78% | 0.14% |
Loan mix (Q2 2026): real estate $35.0M · commercial $0 · consumer $0 · securities $11.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.99% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 8.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 70.8% | 81th |
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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