| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +4.4% | -7.2 pts |
| Deposit growth (YoY) | -3.3% | +4.0% | -7.3 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 0.39% | 1.24% | -0.9 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $280.4M | $246.9M | $203.1M | $30.4M | $537K | 0.39% | 4.24% | 0.81% |
| Q1 2026 | $276.3M | $243.6M | $205.2M | $30.1M | $210K | 0.30% | 4.18% | 0.73% |
| Q4 2025 | $277.5M | $244.7M | $189.1M | $29.9M | $1.3M | 0.48% | 4.05% | 0.75% |
| Q3 2025 | $280.8M | $247.4M | $189.1M | $29.6M | $1.0M | 0.51% | 4.03% | 0.60% |
| Q2 2025 | $288.5M | $255.3M | $191.6M | $29.2M | $614K | 0.46% | 3.97% | 0.65% |
| Q1 2025 | $265.1M | $241.2M | $187.3M | $21.3M | $226K | 0.35% | 3.91% | 0.50% |
| Q4 2024 | $252.9M | $228.4M | $183.1M | $21.0M | $-678K | -0.33% | 3.95% | 0.95% |
| Q3 2024 | $242.0M | $216.7M | $176.6M | $21.0M | $-760K | -0.51% | 3.90% | 0.78% |
Loan mix (Q2 2026): real estate $204.6M · commercial $0 · consumer $32K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 62.9% | 93th |
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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