| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.9% | +4.4% | -11.2 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | -12.7% | +5.6% | -18.3 pts |
| ROA | -0.44% | 1.24% | -1.7 pts |
| ROE | -3.1% | 11.9% | -15.0 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 | $399.2M | $336.3M | $325.4M | $57.1M | $-907K | -0.44% | 3.31% | 0.00% |
| Q1 2026 | $396.5M | $336.4M | $333.3M | $57.6M | $-383K | -0.37% | 3.31% | 0.00% |
| Q4 2025 | $442.0M | $381.1M | $345.9M | $58.0M | $-5.5M | -1.25% | 2.89% | 0.00% |
| Q3 2025 | $413.7M | $336.6M | $361.5M | $58.6M | $-4.9M | -1.47% | 2.82% | 0.00% |
| Q2 2025 | $428.7M | $327.6M | $373.0M | $60.1M | $-3.2M | -1.41% | 2.67% | 0.00% |
| Q1 2025 | $445.4M | $380.7M | $384.6M | $61.7M | $-1.6M | -1.43% | 2.48% | 0.00% |
| Q4 2024 | $478.8M | $403.0M | $411.8M | $63.2M | $-8.8M | -1.67% | 2.06% | 0.00% |
| Q3 2024 | $502.6M | $427.6M | $435.8M | $68.8M | $-3.3M | -0.83% | 1.96% | 0.00% |
Loan mix (Q2 2026): real estate $327.8M · commercial $1.3M · consumer $245K · securities $7.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.44% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.8% | 62.9% | 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% |
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