| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 5.9% | 11.9% | -6.0 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.3M | $138.2M | $74.9M | $23.2M | $672K | 0.85% | 3.50% | 0.00% |
| Q1 2026 | $156.3M | $132.9M | $75.2M | $22.5M | $333K | 0.85% | 3.52% | 0.05% |
| Q4 2025 | $158.1M | $134.4M | $76.1M | $22.8M | $1.4M | 0.85% | 3.46% | 0.09% |
| Q3 2025 | $161.6M | $138.4M | $76.6M | $22.2M | $992K | 0.83% | 3.42% | 0.00% |
| Q2 2025 | $157.8M | $136.0M | $74.0M | $20.8M | $633K | 0.79% | 3.37% | 0.00% |
| Q1 2025 | $158.3M | $136.8M | $75.7M | $20.6M | $290K | 0.72% | 3.30% | 0.00% |
| Q4 2024 | $163.0M | $141.5M | $77.1M | $20.6M | $1.2M | 0.72% | 3.18% | 0.00% |
| Q3 2024 | $160.8M | $137.9M | $77.5M | $22.0M | $839K | 0.70% | 3.18% | 0.11% |
Loan mix (Q2 2026): real estate $75.1M · commercial $489K · consumer $293K · securities $61.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 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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