| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.3 pts |
| Loan growth (YoY) | +0.2% | +5.6% | -5.4 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 4.5% | 11.9% | -7.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $366.5M | $303.4M | $283.4M | $62.3M | $1.4M | 0.77% | 3.45% | 0.67% |
| Q1 2026 | $361.6M | $299.1M | $285.5M | $61.5M | $574K | 0.64% | 3.42% | 0.44% |
| Q4 2025 | $358.9M | $297.0M | $287.5M | $60.9M | $2.0M | 0.54% | 3.37% | 0.38% |
| Q3 2025 | $362.3M | $297.2M | $289.7M | $60.4M | $1.5M | 0.54% | 3.27% | 0.42% |
| Q2 2025 | $365.8M | $301.4M | $282.8M | $59.7M | $953K | 0.52% | 3.19% | 0.30% |
| Q1 2025 | $369.8M | $306.0M | $281.4M | $59.0M | $474K | 0.51% | 3.10% | 0.29% |
| Q4 2024 | $366.6M | $303.4M | $280.2M | $58.4M | $2.3M | 0.64% | 3.16% | 0.28% |
| Q3 2024 | $361.2M | $298.3M | $279.1M | $58.3M | $1.9M | 0.73% | 3.17% | 0.30% |
Loan mix (Q2 2026): real estate $230.5M · commercial $3.3M · consumer $53.2M · securities $19.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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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