| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.0% | -4.9 pts |
| Deposit growth (YoY) | -3.0% | +2.5% | -5.5 pts |
| Loan growth (YoY) | +16.9% | +2.6% | +14.3 pts |
| ROA | 2.51% | 0.99% | +1.5 pts |
| ROE | 7.8% | 8.1% | -0.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.1M | $16.1M | $18.2M | $8.0M | $299K | 2.51% | 5.00% | 0.00% |
| Q1 2026 | $24.0M | $16.1M | $17.4M | $7.6M | $145K | 2.45% | 4.89% | 0.00% |
| Q4 2025 | $23.4M | $15.6M | $17.9M | $7.4M | $524K | 2.14% | 4.61% | 0.00% |
| Q3 2025 | $24.0M | $16.3M | $16.4M | $7.3M | $382K | 2.06% | 4.41% | 0.00% |
| Q2 2025 | $24.6M | $16.6M | $15.5M | $7.6M | $251K | 2.01% | 4.27% | 0.00% |
| Q1 2025 | $25.5M | $17.9M | $16.1M | $7.4M | $132K | 2.10% | 4.22% | 0.00% |
| Q4 2024 | $24.8M | $16.8M | $15.7M | $7.7M | $325K | 1.27% | 4.44% | 0.00% |
| Q3 2024 | $24.7M | $16.8M | $16.0M | $7.6M | $257K | 1.33% | 4.53% | 0.00% |
Loan mix (Q2 2026): real estate $9.1M · commercial $10.0M · consumer $103K · securities $965K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.51% | 0.99% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 8.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 70.8% | 7th |
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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