| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +3.0% | -2.6 pts |
| Deposit growth (YoY) | +0.9% | +2.5% | -1.6 pts |
| Loan growth (YoY) | -0.9% | +2.6% | -3.5 pts |
| ROA | 0.48% | 0.99% | -0.5 pts |
| ROE | 4.4% | 8.1% | -3.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.5M | $63.3M | $55.6M | $8.7M | $190K | 0.48% | 3.47% | 0.42% |
| Q1 2026 | $79.5M | $64.3M | $54.3M | $8.6M | $82K | 0.41% | 3.36% | 0.20% |
| Q4 2025 | $78.7M | $63.8M | $54.9M | $8.6M | $283K | 0.36% | 3.41% | 0.24% |
| Q3 2025 | $78.3M | $62.9M | $56.7M | $8.5M | $204K | 0.35% | 3.37% | 0.26% |
| Q2 2025 | $78.2M | $62.7M | $56.1M | $8.4M | $123K | 0.32% | 3.34% | 0.36% |
| Q1 2025 | $77.2M | $62.5M | $55.1M | $8.3M | $56K | 0.29% | 3.26% | 0.20% |
| Q4 2024 | $77.7M | $63.1M | $55.9M | $8.3M | $328K | 0.43% | 3.36% | 0.23% |
| Q3 2024 | $76.6M | $61.8M | $54.6M | $8.2M | $264K | 0.46% | 3.38% | 0.34% |
Loan mix (Q2 2026): real estate $46.2M · commercial $2.9M · consumer $6.9M · securities $13.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.99% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 8.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 70.8% | 74th |
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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