| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 0.22% | 1.24% | -1.0 pts |
| ROE | 2.8% | 11.9% | -9.0 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $217.5M | $191.9M | $163.9M | $16.9M | $237K | 0.22% | 2.69% | 0.00% |
| Q1 2026 | $212.7M | $185.8M | $163.7M | $16.8M | $75K | 0.14% | 2.60% | 0.00% |
| Q4 2025 | $211.7M | $183.4M | $165.2M | $16.7M | $173K | 0.08% | 2.36% | 0.00% |
| Q3 2025 | $206.8M | $178.3M | $161.2M | $16.3M | $5K | 0.00% | 2.28% | 0.00% |
| Q2 2025 | $209.7M | $182.0M | $162.7M | $16.0M | $-75K | -0.07% | 2.17% | 0.01% |
| Q1 2025 | $206.7M | $178.1M | $157.4M | $15.7M | $-95K | -0.18% | 2.06% | 0.00% |
| Q4 2024 | $213.2M | $179.9M | $158.0M | $15.3M | $-115K | -0.05% | 2.13% | 0.00% |
| Q3 2024 | $211.9M | $176.9M | $161.4M | $16.0M | $-123K | -0.08% | 2.12% | 0.00% |
Loan mix (Q2 2026): real estate $163.4M · commercial $1.5M · consumer $0 · securities $24.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 62.9% | 93rd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
3 branches in 1 county across 1 state (+0 vs 2024) · $182.0M branch deposits. Biggest market: Delaware, PA, ranked 17th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delaware, PA | 3 | $182.0M | 0.93% | 17th |
Pennsylvania: 162nd with 0.03% · Philadelphia-Camden-Wilmington metro: 75th, 0.03% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3