| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +4.9% | -13.7 pts |
| Deposit growth (YoY) | -10.0% | +4.3% | -14.4 pts |
| Loan growth (YoY) | +3.8% | +5.3% | -1.6 pts |
| ROA | 0.13% | 1.28% | -1.1 pts |
| ROE | 1.3% | 12.4% | -11.1 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $648.5M | $480.4M | $479.4M | $67.3M | $451K | 0.13% | 2.62% | 4.20% |
| Q1 2026 | $696.4M | $523.1M | $496.1M | $66.9M | $2K | 0.00% | 2.49% | 3.89% |
| Q4 2025 | $664.1M | $512.9M | $479.2M | $67.0M | $-20.3M | -2.85% | 2.46% | 4.12% |
| Q3 2025 | $660.0M | $496.6M | $476.4M | $79.5M | $-7.9M | -1.45% | 2.42% | 4.64% |
| Q2 2025 | $710.8M | $533.9M | $461.9M | $83.2M | $-4.2M | -1.13% | 2.30% | 4.66% |
| Q1 2025 | $744.3M | $564.5M | $493.5M | $85.6M | $-1.6M | -0.82% | 2.24% | 4.59% |
| Q4 2024 | $778.3M | $614.1M | $526.6M | $87.1M | $2.8M | 0.32% | 2.70% | 4.48% |
| Q3 2024 | $814.2M | $642.1M | $570.1M | $87.5M | $2.2M | 0.33% | 2.67% | 3.48% |
Loan mix (Q2 2026): real estate $243.9M · commercial $216.3M · consumer $0 · securities $83.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 1.28% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 12.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.6% | 61.2% | 98th |
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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