| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.0% | +4.6 pts |
| Deposit growth (YoY) | +6.5% | +2.5% | +4.0 pts |
| Loan growth (YoY) | -29.0% | +2.6% | -31.6 pts |
| ROA | 0.78% | 0.99% | -0.2 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $75.2M | $66.5M | $21.3M | $8.5M | $284K | 0.78% | 3.40% | 1.33% |
| Q1 2026 | $74.1M | $65.8M | $26.1M | $8.2M | $98K | 0.54% | 3.42% | 2.37% |
| Q4 2025 | $70.4M | $62.0M | $29.9M | $8.3M | $1.1M | 1.62% | 3.96% | 1.60% |
| Q3 2025 | $67.9M | $59.9M | $29.1M | $7.8M | $809K | 1.55% | 3.92% | 0.00% |
| Q2 2025 | $69.9M | $62.4M | $30.0M | $7.3M | $505K | 1.44% | 3.87% | 0.00% |
| Q1 2025 | $71.6M | $64.6M | $27.2M | $6.9M | $225K | 1.27% | 3.84% | 0.01% |
| Q4 2024 | $69.6M | $62.8M | $26.0M | $6.6M | $1.3M | 1.84% | 3.89% | 0.00% |
| Q3 2024 | $67.8M | $61.0M | $25.7M | $6.7M | $1.0M | 1.97% | 3.85% | 0.00% |
Loan mix (Q2 2026): real estate $13.9M · commercial $2.8M · consumer $771K · securities $30.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 70.8% | 54th |
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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