| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +4.9% | -9.3 pts |
| Deposit growth (YoY) | -1.9% | +4.3% | -6.2 pts |
| Loan growth (YoY) | +1.9% | +5.3% | -3.4 pts |
| ROA | -0.38% | 1.28% | -1.7 pts |
| ROE | -2.5% | 12.4% | -14.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $532.3M | $422.4M | $288.9M | $83.2M | $-1.0M | -0.38% | 1.50% | 0.20% |
| Q1 2026 | $538.6M | $424.4M | $290.8M | $83.7M | $-621K | -0.46% | 1.48% | 0.16% |
| Q4 2025 | $553.1M | $432.0M | $284.8M | $84.3M | $-3.1M | -0.57% | 1.16% | 0.20% |
| Q3 2025 | $556.7M | $432.7M | $285.7M | $84.5M | $-2.5M | -0.61% | 1.13% | 0.22% |
| Q2 2025 | $556.6M | $430.7M | $283.4M | $85.4M | $-1.6M | -0.60% | 1.09% | 0.27% |
| Q1 2025 | $554.6M | $429.8M | $278.5M | $86.2M | $-858K | -0.62% | 1.03% | 0.20% |
| Q4 2024 | $543.8M | $413.3M | $278.5M | $87.1M | $-3.9M | -0.69% | 0.88% | 0.22% |
| Q3 2024 | $551.8M | $416.0M | $278.2M | $87.3M | $-3.0M | -0.72% | 0.88% | 0.26% |
Loan mix (Q2 2026): real estate $290.3M · commercial $0 · consumer $1.3M · securities $211.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.38% | 1.28% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.50% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 134.8% | 61.2% | 99th |
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% |
The full ratio pack is part of CharterBench Pro.