| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | +11.3% | +5.6% | +5.8 pts |
| ROA | 0.54% | 1.24% | -0.7 pts |
| ROE | 5.2% | 11.9% | -6.7 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.4M | $105.3M | $60.7M | $12.6M | $324K | 0.54% | 4.42% | 0.17% |
| Q1 2026 | $120.9M | $108.0M | $58.6M | $12.3M | $152K | 0.51% | 4.27% | 0.12% |
| Q4 2025 | $119.9M | $106.7M | $55.6M | $12.4M | $617K | 0.51% | 3.96% | 0.12% |
| Q3 2025 | $124.8M | $112.2M | $54.8M | $12.2M | $442K | 0.48% | 3.91% | 0.13% |
| Q2 2025 | $120.0M | $108.1M | $54.6M | $11.4M | $274K | 0.45% | 3.89% | 0.00% |
| Q1 2025 | $122.5M | $111.0M | $55.3M | $11.1M | $124K | 0.41% | 3.84% | 0.09% |
| Q4 2024 | $119.8M | $108.8M | $56.0M | $10.4M | $559K | 0.47% | 3.94% | 0.13% |
| Q3 2024 | $117.9M | $106.5M | $57.4M | $10.9M | $400K | 0.44% | 3.92% | 0.13% |
Loan mix (Q2 2026): real estate $46.9M · commercial $4.6M · consumer $9.6M · securities $44.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 62.9% | 89th |
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 2 counties across 1 state (+0 vs 2024) · $108.1M branch deposits. Biggest market: Kalamazoo, MI, ranked 16th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kalamazoo, MI | 2 | $86.6M | 1.15% | 16th |
| Van Buren, MI | 1 | $21.6M | 1.47% | 14th |
Michigan: 194th with 0.03% · Kalamazoo-Portage metro: 16th, 1.15% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3