| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.0% | -4.0 pts |
| Deposit growth (YoY) | -1.8% | +2.5% | -4.3 pts |
| Loan growth (YoY) | -7.7% | +2.6% | -10.3 pts |
| ROA | 0.41% | 0.99% | -0.6 pts |
| ROE | 1.9% | 8.1% | -6.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.1M | $24.8M | $18.1M | $7.2M | $67K | 0.41% | 3.03% | 0.37% |
| Q1 2026 | $32.4M | $25.2M | $18.6M | $7.1M | $28K | 0.35% | 2.99% | 0.61% |
| Q4 2025 | $32.4M | $25.2M | $18.8M | $7.1M | $130K | 0.40% | 3.12% | 0.74% |
| Q3 2025 | $32.1M | $24.9M | $19.1M | $7.1M | $79K | 0.32% | 3.13% | 0.75% |
| Q2 2025 | $32.4M | $25.2M | $19.6M | $7.1M | $57K | 0.35% | 3.16% | 0.85% |
| Q1 2025 | $32.5M | $25.3M | $19.7M | $7.0M | $38K | 0.46% | 3.18% | 0.89% |
| Q4 2024 | $33.3M | $26.2M | $19.4M | $7.0M | $176K | 0.53% | 3.55% | 1.04% |
| Q3 2024 | $33.2M | $26.2M | $19.6M | $7.0M | $130K | 0.53% | 3.66% | 0.73% |
Loan mix (Q2 2026): real estate $18.2M · commercial $0 · consumer $53K · securities $2.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.99% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 8.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 70.8% | 71th |
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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