| Metric | Main Street Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.5% | -6.8 pts |
| Deposit growth (YoY) | -2.4% | +5.1% | -7.4 pts |
| Loan growth (YoY) | -5.2% | +5.9% | -11.1 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 5.7% | 12.2% | -6.4 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.67B | $1.39B | $1.24B | $183.7M | $5.2M | 0.63% | 3.01% | 1.27% |
| Q1 2026 | $1.61B | $1.34B | $1.27B | $180.0M | $2.2M | 0.53% | 3.01% | 1.32% |
| Q4 2025 | $1.67B | $1.32B | $1.29B | $177.7M | $10.5M | 0.63% | 2.91% | 0.70% |
| Q3 2025 | $1.66B | $1.34B | $1.31B | $174.3M | $8.6M | 0.70% | 2.83% | 0.39% |
| Q2 2025 | $1.69B | $1.43B | $1.31B | $160.0M | $5.4M | 0.66% | 2.76% | 0.43% |
| Q1 2025 | $1.63B | $1.37B | $1.33B | $157.2M | $2.9M | 0.71% | 2.78% | 0.69% |
| Q4 2024 | $1.61B | $1.31B | $1.34B | $152.7M | $8.1M | 0.49% | 2.63% | 0.70% |
| Q3 2024 | $1.63B | $1.29B | $1.33B | $153.0M | $5.3M | 0.43% | 2.65% | 0.30% |
Loan mix (Q2 2026): real estate $1.16B · commercial $92.2M · consumer $6.9M · securities $317.0M
| Ratio | Main Street Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 59.0% | 85th |
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 Street 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 Street 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 Street 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 Street 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.