| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -2.9 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 4.1% | 11.9% | -7.7 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.7M | $86.7M | $81.5M | $30.4M | $622K | 1.06% | 3.55% | 2.63% |
| Q1 2026 | $118.5M | $87.7M | $81.5M | $30.1M | $282K | 0.96% | 3.53% | 2.36% |
| Q4 2025 | $116.9M | $86.5M | $80.4M | $29.9M | $1.2M | 1.04% | 3.59% | 2.50% |
| Q3 2025 | $116.4M | $86.2M | $83.0M | $29.5M | $887K | 1.03% | 3.55% | 3.24% |
| Q2 2025 | $115.6M | $85.8M | $82.4M | $29.1M | $587K | 1.02% | 3.54% | 3.26% |
| Q1 2025 | $116.3M | $87.0M | $82.7M | $28.8M | $270K | 0.95% | 3.57% | 2.37% |
| Q4 2024 | $111.8M | $83.0M | $85.0M | $28.4M | $1.3M | 1.15% | 3.81% | 1.55% |
| Q3 2024 | $112.7M | $83.9M | $83.6M | $28.3M | $985K | 1.19% | 3.81% | 1.28% |
Loan mix (Q2 2026): real estate $74.8M · commercial $4.6M · consumer $3.4M · securities $11.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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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