No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.6M | $100.1M | $86.9M | $18.9M | $2.0M | 3.48% | 6.34% | 2.42% |
| Q1 2026 | $119.9M | $101.4M | $82.1M | $17.9M | $1.0M | 3.59% | 6.31% | 0.53% |
| Q4 2025 | $112.1M | $94.7M | $83.2M | $16.9M | $3.0M | 2.83% | 6.32% | 0.64% |
| Q3 2025 | $107.4M | $89.3M | $75.5M | $17.5M | $2.2M | 2.78% | 6.25% | 0.50% |
| Q2 2025 | $109.1M | $91.8M | $74.4M | $16.8M | $1.4M | 2.74% | 6.10% | 0.51% |
| Q1 2025 | $100.7M | $84.2M | $69.1M | $16.0M | $663K | 2.69% | 5.96% | 0.58% |
| Q4 2024 | $96.6M | $80.8M | $67.2M | $15.4M | $3.0M | 3.18% | 6.42% | 0.64% |
| Q3 2024 | $96.0M | $79.4M | $66.2M | $16.1M | $2.3M | 3.22% | 6.45% | 0.07% |
Loan mix (Q2 2026): real estate $46.7M · commercial $22.8M · consumer $4.7M · securities $11.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.48% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.1% | 62.9% | 9th |
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% |
The full ratio pack is part of CharterBench Pro.