| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 0.21% | 1.24% | -1.0 pts |
| ROE | 1.8% | 11.9% | -10.0 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 | $167.1M | $147.1M | $116.7M | $19.3M | $177K | 0.21% | 2.60% | 0.26% |
| Q1 2026 | $165.2M | $145.2M | $114.9M | $19.2M | $29K | 0.07% | 2.51% | 0.33% |
| Q4 2025 | $164.8M | $145.1M | $111.2M | $19.2M | $485K | 0.30% | 2.43% | 0.41% |
| Q3 2025 | $162.5M | $142.7M | $110.0M | $19.0M | $392K | 0.32% | 2.40% | 0.34% |
| Q2 2025 | $163.6M | $144.5M | $111.2M | $18.7M | $192K | 0.24% | 2.26% | 0.46% |
| Q1 2025 | $162.7M | $143.9M | $108.6M | $18.5M | $52K | 0.13% | 2.17% | 0.31% |
| Q4 2024 | $161.2M | $142.6M | $106.7M | $18.2M | $283K | 0.18% | 2.36% | 0.20% |
| Q3 2024 | $155.2M | $136.4M | $107.0M | $18.4M | $184K | 0.16% | 2.34% | 0.13% |
Loan mix (Q2 2026): real estate $109.6M · commercial $8.0M · consumer $277K · securities $17.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 62.9% | 90th |
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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