| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +3.0% | -9.6 pts |
| Deposit growth (YoY) | -8.0% | +2.5% | -10.5 pts |
| Loan growth (YoY) | -11.6% | +2.6% | -14.2 pts |
| ROA | 0.71% | 0.99% | -0.3 pts |
| ROE | 3.8% | 8.1% | -4.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.8M | $19.2M | $14.8M | $4.3M | $83K | 0.71% | 5.93% | 1.36% |
| Q1 2026 | $23.4M | $18.6M | $14.7M | $4.5M | $93K | 1.60% | 6.17% | 0.72% |
| Q4 2025 | $23.0M | $18.2M | $16.1M | $4.4M | $329K | 1.35% | 5.96% | 0.72% |
| Q3 2025 | $24.7M | $20.0M | $16.6M | $4.4M | $342K | 1.84% | 5.74% | 0.78% |
| Q2 2025 | $25.5M | $20.9M | $16.8M | $4.3M | $235K | 1.90% | 5.51% | 0.53% |
| Q1 2025 | $23.8M | $19.3M | $17.4M | $4.3M | $93K | 1.53% | 5.40% | 0.44% |
| Q4 2024 | $24.9M | $20.4M | $18.7M | $4.2M | $262K | 1.06% | 5.45% | 0.00% |
| Q3 2024 | $24.6M | $20.1M | $18.2M | $4.2M | $303K | 1.64% | 5.43% | 0.21% |
Loan mix (Q2 2026): real estate $9.4M · commercial $4.8M · consumer $638K · securities $2.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.99% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 8.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 70.8% | 58th |
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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