| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.9% | -6.5 pts |
| Deposit growth (YoY) | -1.9% | +4.3% | -6.3 pts |
| Loan growth (YoY) | -4.1% | +5.3% | -9.4 pts |
| ROA | 0.15% | 1.28% | -1.1 pts |
| ROE | 1.0% | 12.4% | -11.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $787.0M | $666.6M | $352.2M | $118.1M | $582K | 0.15% | 1.84% | 0.03% |
| Q1 2026 | $796.8M | $676.8M | $354.0M | $117.8M | $318K | 0.16% | 1.78% | 0.03% |
| Q4 2025 | $794.4M | $674.4M | $359.0M | $117.5M | $174K | 0.02% | 1.62% | 0.07% |
| Q3 2025 | $803.1M | $683.2M | $365.8M | $117.4M | $124K | 0.02% | 1.58% | 0.02% |
| Q2 2025 | $799.8M | $679.9M | $367.0M | $117.3M | $-50K | -0.01% | 1.54% | 0.02% |
| Q1 2025 | $810.4M | $691.3M | $369.8M | $117.3M | $20K | 0.01% | 1.45% | 0.04% |
| Q4 2024 | $817.6M | $698.1M | $374.0M | $117.3M | $-700K | -0.09% | 1.34% | 0.03% |
| Q3 2024 | $805.5M | $685.8M | $378.1M | $117.7M | $-328K | -0.05% | 1.36% | 0.06% |
Loan mix (Q2 2026): real estate $353.8M · commercial $0 · consumer $164K · securities $343.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 1.28% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 12.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.84% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 61.2% | 96th |
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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