| Metric | Main Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -5.0 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.1 pts |
| Loan growth (YoY) | -1.5% | +5.6% | -7.1 pts |
| ROA | 2.10% | 1.24% | +0.9 pts |
| ROE | 18.4% | 11.9% | +6.5 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $245.2M | $211.4M | $192.1M | $28.8M | $2.6M | 2.10% | 4.40% | 0.00% |
| Q1 2026 | $254.2M | $221.1M | $183.5M | $28.5M | $1.3M | 2.01% | 4.21% | 0.00% |
| Q4 2025 | $251.0M | $215.4M | $190.3M | $28.2M | $5.8M | 2.27% | 4.33% | 0.00% |
| Q3 2025 | $277.2M | $240.7M | $196.4M | $28.2M | $4.1M | 2.14% | 4.20% | 0.00% |
| Q2 2025 | $246.7M | $205.5M | $195.1M | $27.6M | $2.6M | 2.08% | 4.17% | 0.41% |
| Q1 2025 | $242.5M | $202.2M | $192.4M | $26.9M | $1.4M | 2.18% | 4.04% | 0.00% |
| Q4 2024 | $259.2M | $205.1M | $195.2M | $25.9M | $4.1M | 1.59% | 3.64% | 0.18% |
| Q3 2024 | $262.1M | $207.2M | $192.9M | $25.6M | $2.8M | 1.46% | 3.46% | 0.23% |
Loan mix (Q2 2026): real estate $177.2M · commercial $19.3M · consumer $63K · securities $17.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Main Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 62.9% | 19th |
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 | Main 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 | Main 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 | Main 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 | Main Bank | 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.