| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -4.9% | +5.6% | -10.4 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 1.9% | 11.9% | -10.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $226.0M | $180.7M | $195.2M | $23.8M | $223K | 0.18% | 3.98% | 11.71% |
| Q1 2026 | $247.9M | $201.7M | $209.5M | $24.2M | $585K | 0.93% | 3.94% | 7.70% |
| Q4 2025 | $255.1M | $209.4M | $213.4M | $23.7M | $2.8M | 1.25% | 4.66% | 6.11% |
| Q3 2025 | $244.7M | $195.0M | $214.0M | $22.8M | $1.7M | 1.05% | 4.82% | 6.90% |
| Q2 2025 | $227.3M | $176.2M | $205.2M | $22.8M | $894K | 0.89% | 5.49% | 2.14% |
| Q1 2025 | $203.7M | $160.6M | $182.6M | $21.9M | $-720K | -1.52% | 5.51% | 1.48% |
| Q4 2024 | $174.7M | $106.8M | $156.3M | $23.1M | $2.5M | 1.78% | 5.86% | 1.67% |
| Q3 2024 | $149.2M | $93.0M | $131.1M | $23.3M | $2.0M | 2.08% | 5.94% | 0.79% |
Loan mix (Q2 2026): real estate $122.1M · commercial $73.8M · consumer $3.5M · securities $2.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 62.9% | 77th |
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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