| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +4.9% | -8.6 pts |
| Deposit growth (YoY) | -5.4% | +4.3% | -9.7 pts |
| Loan growth (YoY) | +3.7% | +5.3% | -1.6 pts |
| ROA | 0.22% | 1.28% | -1.1 pts |
| ROE | 40.5% | 12.4% | +28.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $642.8M | $607.5M | $292.9M | $6.9M | $701K | 0.22% | 2.78% | 0.59% |
| Q1 2026 | $637.9M | $608.4M | $287.9M | $1.5M | $452K | 0.28% | 2.71% | 0.36% |
| Q4 2025 | $648.9M | $618.5M | $282.7M | $2.0M | $1.3M | 0.19% | 2.54% | 0.35% |
| Q3 2025 | $655.8M | $628.6M | $284.8M | $-701K | $992K | 0.20% | 2.50% | 0.35% |
| Q2 2025 | $667.4M | $642.3M | $282.3M | $-3.4M | $475K | 0.15% | 2.47% | 0.35% |
| Q1 2025 | $632.3M | $602.1M | $274.0M | $-5.7M | $242K | 0.15% | 2.43% | 0.37% |
| Q4 2024 | $633.8M | $604.4M | $268.4M | $-7.5M | $2.0M | 0.31% | 2.42% | 0.14% |
| Q3 2024 | $670.0M | $622.8M | $268.8M | $3.2M | $1.8M | 0.37% | 2.42% | 0.24% |
Loan mix (Q2 2026): real estate $242.8M · commercial $42.8M · consumer $1.8M · securities $277.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 40.5% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.89% | 6th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 61.2% | 93th |
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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