| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +4.4% | -7.9 pts |
| Deposit growth (YoY) | -4.6% | +4.0% | -8.5 pts |
| Loan growth (YoY) | -0.6% | +5.6% | -6.2 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 8.4% | 11.9% | -3.5 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 | $414.2M | $357.0M | $293.0M | $51.0M | $2.1M | 1.01% | 4.00% | 1.38% |
| Q1 2026 | $423.7M | $367.0M | $286.3M | $50.4M | $1.0M | 0.96% | 3.91% | 2.05% |
| Q4 2025 | $425.6M | $369.2M | $296.3M | $49.9M | $3.9M | 0.87% | 3.54% | 1.42% |
| Q3 2025 | $415.9M | $359.9M | $294.0M | $49.1M | $3.0M | 0.88% | 3.45% | 1.57% |
| Q2 2025 | $429.4M | $374.1M | $294.9M | $48.4M | $1.9M | 0.85% | 3.24% | 1.29% |
| Q1 2025 | $466.3M | $412.8M | $289.9M | $47.6M | $938K | 0.79% | 2.96% | 1.48% |
| Q4 2024 | $478.3M | $410.7M | $290.3M | $46.5M | $4.6M | 0.97% | 3.25% | 1.30% |
| Q3 2024 | $462.4M | $384.6M | $307.8M | $45.9M | $3.3M | 0.93% | 3.39% | 1.80% |
Loan mix (Q2 2026): real estate $263.3M · commercial $24.1M · consumer $6.8M · securities $52.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 62.9% | 68th |
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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