| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +4.4% | -9.5 pts |
| Deposit growth (YoY) | -6.2% | +4.0% | -10.1 pts |
| Loan growth (YoY) | -5.3% | +5.6% | -10.8 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 7.3% | 11.9% | -4.6 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $121.8M | $108.4M | $88.4M | $11.1M | $400K | 0.65% | 3.55% | 1.05% |
| Q1 2026 | $123.1M | $109.4M | $89.3M | $11.0M | $207K | 0.68% | 3.53% | 0.68% |
| Q4 2025 | $122.3M | $107.5M | $91.5M | $10.8M | $501K | 0.40% | 3.00% | 0.76% |
| Q3 2025 | $125.2M | $111.8M | $92.4M | $10.7M | $421K | 0.44% | 2.91% | 0.73% |
| Q2 2025 | $128.5M | $115.5M | $93.3M | $10.4M | $200K | 0.31% | 2.81% | 0.92% |
| Q1 2025 | $125.7M | $112.7M | $94.0M | $10.2M | $115K | 0.36% | 2.76% | 0.58% |
| Q4 2024 | $127.8M | $113.1M | $94.9M | $10.0M | $401K | 0.32% | 2.53% | 0.45% |
| Q3 2024 | $126.0M | $108.4M | $95.5M | $10.0M | $263K | 0.28% | 2.50% | 0.46% |
Loan mix (Q2 2026): real estate $85.3M · commercial $2.1M · consumer $1.4M · securities $17.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 62.9% | 83th |
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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