| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.0% | -2.9 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | +1.2% | +2.6% | -1.4 pts |
| ROA | 0.61% | 0.99% | -0.4 pts |
| ROE | 2.7% | 8.1% | -5.4 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.0M | $60.3M | $37.6M | $17.6M | $238K | 0.61% | 3.69% | 0.00% |
| Q1 2026 | $78.8M | $60.1M | $38.0M | $17.5M | $113K | 0.58% | 3.59% | 0.00% |
| Q4 2025 | $76.2M | $57.7M | $36.7M | $17.4M | $514K | 0.66% | 3.72% | 0.00% |
| Q3 2025 | $76.7M | $58.2M | $36.8M | $17.3M | $428K | 0.73% | 3.71% | 0.00% |
| Q2 2025 | $78.8M | $60.4M | $37.2M | $17.2M | $303K | 0.77% | 3.75% | 0.00% |
| Q1 2025 | $78.9M | $60.6M | $38.1M | $17.1M | $172K | 0.88% | 3.63% | 0.00% |
| Q4 2024 | $78.1M | $59.8M | $38.4M | $16.9M | $630K | 0.82% | 3.78% | 0.06% |
| Q3 2024 | $76.8M | $58.9M | $38.5M | $16.7M | $440K | 0.76% | 3.77% | 0.00% |
Loan mix (Q2 2026): real estate $37.6M · commercial $179K · consumer $116K · securities $2.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.99% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 8.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 70.8% | 70th |
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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