| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +4.4% | -10.0 pts |
| Deposit growth (YoY) | -7.5% | +4.0% | -11.5 pts |
| Loan growth (YoY) | -2.1% | +5.6% | -7.7 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 7.1% | 11.9% | -4.7 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $199.0M | $161.7M | $94.6M | $36.4M | $1.3M | 1.22% | 4.29% | 0.19% |
| Q1 2026 | $207.2M | $170.7M | $96.8M | $35.8M | $543K | 1.01% | 4.16% | 0.21% |
| Q4 2025 | $225.0M | $188.7M | $96.0M | $35.6M | $2.6M | 1.19% | 4.10% | 0.20% |
| Q3 2025 | $221.6M | $184.8M | $96.5M | $35.8M | $2.2M | 1.32% | 4.13% | 0.17% |
| Q2 2025 | $210.9M | $174.9M | $96.6M | $34.9M | $1.7M | 1.52% | 4.20% | 0.18% |
| Q1 2025 | $211.2M | $176.3M | $91.7M | $33.9M | $982K | 1.77% | 4.09% | 0.25% |
| Q4 2024 | $233.2M | $200.4M | $93.7M | $32.3M | $2.3M | 1.11% | 4.38% | 0.23% |
| Q3 2024 | $212.0M | $176.9M | $96.9M | $34.4M | $2.1M | 1.38% | 4.42% | 0.22% |
Loan mix (Q2 2026): real estate $82.3M · commercial $12.2M · consumer $2.1M · securities $73.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 62.9% | 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 | 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.