| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.1 pts |
| Loan growth (YoY) | -28.9% | +5.6% | -34.5 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 10.5% | 11.9% | -1.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.8M | $153.3M | $38.9M | $28.4M | $1.5M | 1.54% | 3.51% | 0.56% |
| Q1 2026 | $189.1M | $160.9M | $42.6M | $27.5M | $675K | 1.41% | 3.32% | 1.36% |
| Q4 2025 | $193.1M | $165.2M | $47.8M | $27.1M | $90K | 0.05% | 3.83% | 0.47% |
| Q3 2025 | $185.9M | $159.3M | $52.8M | $25.7M | $-588K | -0.43% | 3.80% | 0.49% |
| Q2 2025 | $177.6M | $152.1M | $54.8M | $24.8M | $-1.2M | -1.33% | 3.90% | 0.03% |
| Q1 2025 | $186.0M | $159.2M | $55.0M | $25.9M | $-862K | -1.85% | 4.27% | 0.00% |
| Q4 2024 | $187.1M | $162.2M | $54.7M | $24.2M | $4.1M | 2.09% | 3.10% | 0.00% |
| Q3 2024 | $190.6M | $164.6M | $54.0M | $24.7M | $2.9M | 1.96% | 2.90% | 0.08% |
Loan mix (Q2 2026): real estate $22.3M · commercial $7.8M · consumer $1.7M · securities $47.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 32th |
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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