| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +3.0% | -8.0 pts |
| Deposit growth (YoY) | -7.1% | +2.5% | -9.6 pts |
| Loan growth (YoY) | +1.4% | +2.6% | -1.2 pts |
| ROA | 0.71% | 0.99% | -0.3 pts |
| ROE | 6.9% | 8.1% | -1.2 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 | $40.0M | $35.4M | $11.8M | $4.3M | $145K | 0.71% | 2.70% | 1.37% |
| Q1 2026 | $40.9M | $36.3M | $11.3M | $4.2M | $56K | 0.54% | 2.57% | 0.76% |
| Q4 2025 | $42.0M | $37.4M | $11.0M | $4.2M | $256K | 0.59% | 2.75% | 0.02% |
| Q3 2025 | $43.7M | $39.2M | $12.2M | $4.1M | $226K | 0.69% | 2.75% | 0.02% |
| Q2 2025 | $42.1M | $38.1M | $11.7M | $3.7M | $152K | 0.69% | 2.74% | 0.15% |
| Q1 2025 | $46.3M | $42.4M | $11.5M | $3.5M | $66K | 0.59% | 2.49% | 0.34% |
| Q4 2024 | $43.8M | $40.1M | $11.7M | $3.3M | $318K | 0.72% | 2.64% | 0.31% |
| Q3 2024 | $45.1M | $41.0M | $11.8M | $3.7M | $249K | 0.75% | 2.64% | 0.34% |
Loan mix (Q2 2026): real estate $4.1M · commercial $3.2M · consumer $783K · securities $12.8M
| 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 | 6.9% | 8.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 70.8% | 52th |
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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