| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +3.0% | -8.5 pts |
| Deposit growth (YoY) | -6.4% | +2.5% | -8.9 pts |
| Loan growth (YoY) | -0.9% | +2.6% | -3.5 pts |
| ROA | 2.37% | 0.99% | +1.4 pts |
| ROE | 23.9% | 8.1% | +15.9 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.1M | $72.5M | $69.6M | $8.4M | $1.0M | 2.37% | 4.67% | 1.24% |
| Q1 2026 | $85.3M | $76.7M | $68.8M | $8.5M | $621K | 2.87% | 4.41% | 1.55% |
| Q4 2025 | $88.1M | $79.6M | $70.6M | $8.3M | $2.1M | 2.48% | 4.32% | 1.15% |
| Q3 2025 | $81.7M | $73.2M | $72.2M | $8.3M | $1.6M | 2.58% | 4.26% | 0.00% |
| Q2 2025 | $85.8M | $77.4M | $70.2M | $8.2M | $1.1M | 2.51% | 4.13% | 0.00% |
| Q1 2025 | $88.1M | $79.7M | $70.6M | $8.1M | $529K | 2.49% | 4.01% | 0.00% |
| Q4 2024 | $81.7M | $72.9M | $71.5M | $8.6M | $2.1M | 2.42% | 4.07% | 0.00% |
| Q3 2024 | $90.3M | $77.4M | $77.3M | $8.6M | $1.6M | 2.47% | 4.00% | 0.00% |
Loan mix (Q2 2026): real estate $54.3M · commercial $9.2M · consumer $2.7M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.37% | 0.99% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 23.9% | 8.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 70.8% | 12th |
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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