| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +4.4% | +7.4 pts |
| Deposit growth (YoY) | +11.8% | +4.0% | +7.8 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 0.28% | 1.24% | -1.0 pts |
| ROE | 1.3% | 11.9% | -10.6 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.7M | $70.6M | $47.6M | $21.4M | $137K | 0.28% | 3.60% | 0.00% |
| Q1 2026 | $86.9M | $64.9M | $47.4M | $21.5M | $38K | 0.16% | 3.73% | 0.00% |
| Q4 2025 | $98.4M | $59.4M | $49.2M | $21.5M | $69K | 0.07% | 3.37% | 0.00% |
| Q3 2025 | $98.7M | $59.7M | $48.1M | $21.4M | $-6K | -0.01% | 3.27% | 0.00% |
| Q2 2025 | $100.0M | $63.2M | $46.9M | $21.3M | $-50K | -0.11% | 3.13% | 0.00% |
| Q1 2025 | $91.6M | $55.8M | $43.3M | $21.2M | $-53K | -0.23% | 2.94% | 0.00% |
| Q4 2024 | $89.6M | $56.4M | $45.8M | $21.2M | $-288K | -0.31% | 3.25% | 0.00% |
| Q3 2024 | $90.1M | $54.1M | $42.3M | $21.2M | $-348K | -0.50% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $42.0M · commercial $4.5M · consumer $0 · securities $27.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 62.9% | 94th |
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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