| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.4% | -6.6 pts |
| Deposit growth (YoY) | -4.4% | +4.0% | -8.4 pts |
| Loan growth (YoY) | +11.0% | +5.6% | +5.4 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $302.3M | $268.1M | $189.8M | $20.1M | $1.2M | 0.78% | 3.76% | 0.33% |
| Q1 2026 | $298.0M | $265.0M | $183.0M | $19.7M | $560K | 0.75% | 3.64% | 0.33% |
| Q4 2025 | $299.8M | $259.7M | $182.9M | $19.8M | $1.9M | 0.64% | 3.44% | 0.33% |
| Q3 2025 | $297.6M | $265.6M | $174.4M | $18.8M | $1.3M | 0.57% | 3.35% | 0.34% |
| Q2 2025 | $309.2M | $280.5M | $171.0M | $16.5M | $803K | 0.53% | 3.24% | 0.33% |
| Q1 2025 | $296.8M | $268.7M | $172.3M | $16.5M | $405K | 0.54% | 3.19% | 0.35% |
| Q4 2024 | $299.8M | $269.1M | $171.7M | $15.5M | $1.1M | 0.40% | 3.04% | 0.29% |
| Q3 2024 | $297.9M | $268.2M | $169.3M | $17.6M | $746K | 0.35% | 3.00% | 0.34% |
Loan mix (Q2 2026): real estate $167.0M · commercial $13.3M · consumer $9.5M · securities $81.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 62.9% | 82th |
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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