| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +3.0% | -5.5 pts |
| Deposit growth (YoY) | -3.7% | +2.5% | -6.2 pts |
| Loan growth (YoY) | -5.8% | +2.6% | -8.4 pts |
| ROA | 1.71% | 0.99% | +0.7 pts |
| ROE | 9.7% | 8.1% | +1.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.1M | $24.6M | $7.6M | $5.3M | $256K | 1.71% | 3.89% | 0.43% |
| Q1 2026 | $30.3M | $24.9M | $7.6M | $5.2M | $123K | 1.65% | 3.86% | 0.36% |
| Q4 2025 | $29.3M | $23.4M | $8.2M | $5.3M | $423K | 1.40% | 3.76% | 0.37% |
| Q3 2025 | $30.9M | $25.4M | $8.4M | $5.3M | $327K | 1.43% | 3.64% | 0.30% |
| Q2 2025 | $30.9M | $25.5M | $8.0M | $5.1M | $219K | 1.44% | 3.63% | 0.30% |
| Q1 2025 | $31.5M | $26.4M | $7.8M | $5.0M | $106K | 1.41% | 3.54% | 0.41% |
| Q4 2024 | $28.7M | $23.5M | $8.3M | $4.9M | $377K | 1.26% | 3.40% | 0.08% |
| Q3 2024 | $29.5M | $24.3M | $9.0M | $5.1M | $287K | 1.26% | 3.37% | 0.06% |
Loan mix (Q2 2026): real estate $5.0M · commercial $282K · consumer $1.1M · securities $19.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.99% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 8.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 70.8% | 9th |
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% |
The full ratio pack is part of CharterBench Pro.