| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.9% | -6.9 pts |
| Deposit growth (YoY) | -4.0% | +4.3% | -8.4 pts |
| Loan growth (YoY) | -1.4% | +5.3% | -6.8 pts |
| ROA | 0.56% | 1.28% | -0.7 pts |
| ROE | 5.5% | 12.4% | -6.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $538.2M | $469.0M | $343.0M | $56.0M | $1.5M | 0.56% | 3.55% | 0.18% |
| Q1 2026 | $549.8M | $477.8M | $349.1M | $54.9M | $650K | 0.47% | 3.44% | 0.12% |
| Q4 2025 | $558.1M | $479.7M | $348.7M | $55.4M | $3.2M | 0.58% | 3.35% | 0.12% |
| Q3 2025 | $544.3M | $479.5M | $344.1M | $53.6M | $2.2M | 0.52% | 3.30% | 0.10% |
| Q2 2025 | $549.3M | $488.7M | $348.0M | $51.5M | $1.5M | 0.55% | 3.25% | 0.07% |
| Q1 2025 | $572.6M | $511.6M | $362.8M | $49.1M | $220K | 0.16% | 3.13% | 0.14% |
| Q4 2024 | $554.3M | $487.3M | $353.1M | $47.5M | $1.9M | 0.33% | 2.98% | 0.09% |
| Q3 2024 | $558.1M | $496.8M | $343.8M | $49.2M | $1.2M | 0.29% | 2.90% | 0.08% |
Loan mix (Q2 2026): real estate $259.0M · commercial $23.2M · consumer $7.3M · securities $138.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.28% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 61.2% | 92th |
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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