| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.0% | +4.8 pts |
| Deposit growth (YoY) | +8.1% | +2.5% | +5.6 pts |
| Loan growth (YoY) | -1.4% | +2.6% | -4.0 pts |
| ROA | 0.95% | 0.99% | -0.0 pts |
| ROE | 6.0% | 8.1% | -2.1 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.6M | $28.2M | $11.0M | $5.2M | $155K | 0.95% | 3.35% | 1.78% |
| Q1 2026 | $32.9M | $27.6M | $10.8M | $5.1M | $65K | 0.81% | 3.50% | 0.86% |
| Q4 2025 | $31.6M | $26.3M | $11.1M | $5.2M | $151K | 0.48% | 2.88% | 2.04% |
| Q3 2025 | $31.1M | $25.8M | $11.1M | $5.1M | $132K | 0.56% | 2.92% | 1.56% |
| Q2 2025 | $31.2M | $26.1M | $11.2M | $4.9M | $95K | 0.60% | 2.96% | 1.50% |
| Q1 2025 | $32.5M | $27.6M | $10.7M | $4.8M | $35K | 0.44% | 2.84% | 0.02% |
| Q4 2024 | $31.3M | $26.5M | $11.3M | $4.6M | $136K | 0.43% | 2.69% | 0.02% |
| Q3 2024 | $31.6M | $26.6M | $12.2M | $4.8M | $106K | 0.44% | 2.67% | 0.41% |
Loan mix (Q2 2026): real estate $5.8M · commercial $848K · consumer $509K · securities $12.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.99% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 8.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 70.8% | 44th |
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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