| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +9.0% | +4.0% | +5.1 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 0.37% | 1.24% | -0.9 pts |
| ROE | 1.4% | 11.9% | -10.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.5M | $77.7M | $65.8M | $28.3M | $203K | 0.37% | 3.79% | 0.13% |
| Q1 2026 | $109.2M | $72.2M | $64.0M | $28.6M | $53K | 0.20% | 3.69% | 0.16% |
| Q4 2025 | $107.4M | $70.5M | $63.9M | $28.5M | $222K | 0.21% | 3.88% | 0.15% |
| Q3 2025 | $106.9M | $70.1M | $64.9M | $28.3M | $356K | 0.45% | 3.90% | 0.17% |
| Q2 2025 | $107.8M | $71.2M | $64.2M | $28.2M | $191K | 0.36% | 3.89% | 0.23% |
| Q1 2025 | $104.4M | $68.0M | $65.2M | $28.1M | $67K | 0.26% | 3.88% | 0.24% |
| Q4 2024 | $105.4M | $69.3M | $65.0M | $28.0M | $752K | 0.69% | 4.65% | 0.22% |
| Q3 2024 | $104.1M | $67.8M | $66.3M | $28.1M | $1.3M | 1.60% | 4.86% | 0.21% |
Loan mix (Q2 2026): real estate $68.2M · commercial $0 · consumer $2K · securities $4.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 62.9% | 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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