| Metric | Marseilles Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.0% | -2.7 pts |
| Deposit growth (YoY) | +5.1% | +2.5% | +2.6 pts |
| Loan growth (YoY) | +6.5% | +2.6% | +3.9 pts |
| ROA | 0.34% | 0.99% | -0.7 pts |
| ROE | 6.2% | 8.1% | -1.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.6M | $68.1M | $35.6M | $4.2M | $130K | 0.34% | 2.44% | 0.47% |
| Q1 2026 | $78.6M | $69.2M | $36.3M | $4.2M | $0 | 0.00% | 2.35% | 0.35% |
| Q4 2025 | $75.9M | $66.5M | $36.5M | $4.2M | $159K | 0.21% | 2.05% | 0.44% |
| Q3 2025 | $76.3M | $66.2M | $34.5M | $3.9M | $77K | 0.13% | 1.95% | 0.47% |
| Q2 2025 | $77.4M | $64.8M | $33.4M | $3.3M | $51K | 0.13% | 1.94% | 0.31% |
| Q1 2025 | $76.5M | $64.3M | $32.9M | $2.9M | $30K | 0.16% | 1.94% | 0.34% |
| Q4 2024 | $75.7M | $64.2M | $32.8M | $2.2M | $-49K | -0.06% | 1.67% | 0.34% |
| Q3 2024 | $78.3M | $64.0M | $32.9M | $3.0M | $-88K | -0.16% | 1.63% | 0.33% |
Loan mix (Q2 2026): real estate $29.6M · commercial $580K · consumer $5.4M · securities $34.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Marseilles Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.99% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 8.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 70.8% | 60th |
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 | Marseilles 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 | Marseilles 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 | Marseilles 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 | Marseilles Bank | 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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