No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.4M | $38.2M | $14.2M | $7.0M | $325K | 1.46% | 3.06% | 0.00% |
| Q1 2026 | $44.2M | $37.1M | $14.0M | $6.9M | $152K | 1.38% | 3.02% | 0.00% |
| Q4 2025 | $44.1M | $37.0M | $13.7M | $6.9M | $554K | 1.31% | 3.06% | 0.00% |
| Q3 2025 | $42.0M | $34.6M | $14.2M | $7.2M | $395K | 1.26% | 3.12% | 0.00% |
| Q2 2025 | $42.2M | $35.0M | $13.8M | $7.1M | $282K | 1.36% | 3.12% | 0.00% |
| Q1 2025 | $40.9M | $33.9M | $13.7M | $6.8M | $143K | 1.39% | 3.27% | 0.00% |
| Q4 2024 | $41.7M | $34.9M | $14.0M | $6.7M | $667K | 1.65% | 3.31% | 0.00% |
| Q3 2024 | $40.3M | $33.1M | $13.7M | $7.0M | $436K | 1.45% | 3.25% | 0.00% |
Loan mix (Q2 2026): real estate $9.9M · commercial $907K · consumer $2.4M · securities $19.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.99% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 8.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 70.8% | 7th |
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% |
The full ratio pack is part of CharterBench Pro.