| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.4 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 3.3% | 11.9% | -8.6 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.1M | $94.9M | $88.4M | $21.3M | $349K | 0.60% | 5.24% | 0.58% |
| Q1 2026 | $116.9M | $94.9M | $90.2M | $21.1M | $182K | 0.63% | 5.22% | 0.90% |
| Q4 2025 | $115.9M | $94.0M | $89.0M | $20.9M | $905K | 0.76% | 4.98% | 0.93% |
| Q3 2025 | $117.2M | $95.6M | $86.8M | $20.6M | $626K | 0.69% | 4.90% | 0.82% |
| Q2 2025 | $118.7M | $97.2M | $84.8M | $20.4M | $387K | 0.64% | 4.83% | 0.91% |
| Q1 2025 | $121.6M | $100.2M | $82.3M | $20.3M | $191K | 0.62% | 4.70% | 1.00% |
| Q4 2024 | $123.2M | $98.8M | $81.0M | $20.5M | $785K | 0.64% | 4.53% | 0.33% |
| Q3 2024 | $121.1M | $97.1M | $78.9M | $23.2M | $564K | 0.62% | 4.48% | 0.32% |
Loan mix (Q2 2026): real estate $66.4M · commercial $5.1M · consumer $14.4M · securities $4.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 62.9% | 87th |
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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