| Metric | Local Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.7% | +4.4% | +13.3 pts |
| Deposit growth (YoY) | +16.7% | +4.0% | +12.8 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.6 pts |
| ROA | -1.47% | 1.24% | -2.7 pts |
| ROE | -9.2% | 11.9% | -21.1 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.3M | $87.5M | $85.6M | $17.1M | $-802K | -1.47% | 3.68% | 1.27% |
| Q1 2026 | $105.4M | $78.3M | $85.3M | $17.3M | $-590K | -2.19% | 3.33% | 1.34% |
| Q4 2025 | $109.7M | $84.7M | $80.6M | $17.9M | $-80K | -0.08% | 3.97% | 1.46% |
| Q3 2025 | $110.4M | $85.8M | $75.2M | $18.4M | $141K | 0.20% | 4.00% | 0.24% |
| Q2 2025 | $94.6M | $74.9M | $73.0M | $15.0M | $-43K | -0.10% | 4.08% | 0.28% |
| Q1 2025 | $84.9M | $64.5M | $65.2M | $14.8M | $-179K | -0.88% | 4.10% | 0.10% |
| Q4 2024 | $78.3M | $58.8M | $60.4M | $15.0M | $-1.1M | -1.70% | 4.48% | 1.03% |
| Q3 2024 | $62.0M | $46.1M | $44.9M | $15.4M | $-742K | -1.70% | 4.55% | 0.30% |
Loan mix (Q2 2026): real estate $75.7M · commercial $9.2M · consumer $1.3M · securities $2.5M
| Ratio | Local Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.47% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -9.2% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.1% | 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 | Local Bank | 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 | Local Bank | 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 | Local Bank | 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 | Local Bank | 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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