| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.4% | -7.9 pts |
| Deposit growth (YoY) | -4.5% | +4.0% | -8.5 pts |
| Loan growth (YoY) | -2.3% | +5.6% | -7.8 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $476.0M | $402.2M | $272.5M | $67.8M | $1.6M | 0.68% | 4.16% | 1.39% |
| Q1 2026 | $489.0M | $414.2M | $269.6M | $67.8M | $797K | 0.66% | 4.11% | 1.31% |
| Q4 2025 | $479.5M | $405.5M | $274.5M | $68.2M | $3.5M | 0.72% | 4.25% | 0.91% |
| Q3 2025 | $491.0M | $417.9M | $270.9M | $67.5M | $3.1M | 0.84% | 4.20% | 0.71% |
| Q2 2025 | $493.3M | $421.2M | $278.7M | $65.7M | $1.7M | 0.69% | 4.17% | 0.33% |
| Q1 2025 | $499.1M | $427.8M | $282.5M | $64.6M | $886K | 0.71% | 4.06% | 0.35% |
| Q4 2024 | $498.1M | $430.1M | $280.1M | $62.1M | $4.1M | 0.89% | 4.26% | 0.44% |
| Q3 2024 | $482.5M | $411.4M | $279.4M | $64.4M | $3.0M | 0.88% | 4.32% | 0.42% |
Loan mix (Q2 2026): real estate $216.1M · commercial $50.5M · consumer $8.1M · securities $158.1M
| Ratio | Mechanics & Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 62.9% | 80th |
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 | Mechanics & Farmers 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 | Mechanics & Farmers 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 | Mechanics & Farmers 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 | Mechanics & Farmers 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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