| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -1.7% | +4.0% | -5.6 pts |
| Loan growth (YoY) | -0.8% | +5.6% | -6.3 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 6.1% | 11.9% | -5.7 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.1M | $86.5M | $121.7M | $17.4M | $525K | 0.66% | 2.33% | 0.54% |
| Q1 2026 | $158.5M | $88.4M | $124.4M | $17.1M | $254K | 0.65% | 2.30% | 0.55% |
| Q4 2025 | $156.2M | $88.5M | $119.2M | $16.9M | $893K | 0.57% | 2.30% | 0.55% |
| Q3 2025 | $158.8M | $87.8M | $121.8M | $16.5M | $523K | 0.44% | 2.26% | 0.55% |
| Q2 2025 | $157.0M | $88.0M | $122.6M | $16.0M | $214K | 0.27% | 2.28% | 0.56% |
| Q1 2025 | $158.2M | $87.3M | $121.3M | $14.5M | $99K | 0.25% | 2.30% | 0.55% |
| Q4 2024 | $156.3M | $84.1M | $119.5M | $14.1M | $929K | 0.61% | 2.13% | 0.58% |
| Q3 2024 | $151.8M | $84.4M | $116.1M | $14.3M | $736K | 0.64% | 2.13% | 0.64% |
Loan mix (Q2 2026): real estate $120.2M · commercial $2.2M · consumer $8K · securities $15.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 62.9% | 92th |
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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