| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.0% | +6.7 pts |
| Deposit growth (YoY) | +10.2% | +2.5% | +7.8 pts |
| Loan growth (YoY) | +6.1% | +2.6% | +3.5 pts |
| ROA | 0.55% | 0.99% | -0.4 pts |
| ROE | 4.7% | 8.1% | -3.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.3M | $37.8M | $36.9M | $5.2M | $120K | 0.55% | 3.76% | 0.00% |
| Q1 2026 | $43.4M | $35.3M | $36.3M | $5.1M | $27K | 0.25% | 3.65% | 0.00% |
| Q4 2025 | $41.4M | $34.2M | $36.0M | $5.1M | $180K | 0.43% | 3.57% | 0.00% |
| Q3 2025 | $41.2M | $33.5M | $35.6M | $5.0M | $137K | 0.44% | 3.49% | 0.00% |
| Q2 2025 | $41.3M | $34.3M | $34.8M | $4.9M | $75K | 0.36% | 3.39% | 0.00% |
| Q1 2025 | $42.5M | $33.8M | $35.1M | $4.8M | $15K | 0.14% | 3.32% | 0.00% |
| Q4 2024 | $42.4M | $32.5M | $34.8M | $4.7M | $66K | 0.17% | 3.37% | 0.00% |
| Q3 2024 | $39.5M | $32.0M | $31.9M | $4.8M | $21K | 0.07% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $37.2M · commercial $0 · consumer $0 · securities $3.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.99% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 8.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 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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