No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $517.9M | $373.8M | $378.2M | $139.9M | $1.8M | 0.70% | 4.62% | 5.71% |
| Q1 2026 | $515.3M | $371.2M | $376.0M | $139.2M | $551K | 0.43% | 4.07% | 7.52% |
| Q4 2025 | $520.1M | $381.3M | $359.7M | $133.1M | $3.4M | 0.66% | 4.36% | 5.85% |
| Q3 2025 | $525.6M | $387.3M | $370.5M | $132.6M | $2.7M | 0.69% | 4.45% | 3.38% |
| Q2 2025 | $510.4M | $373.8M | $351.1M | $131.3M | $1.4M | 0.53% | 4.20% | 2.72% |
| Q1 2025 | $530.6M | $389.5M | $348.8M | $134.1M | $856K | 0.64% | 4.09% | 1.60% |
| Q4 2024 | $532.0M | $391.8M | $357.2M | $133.3M | $5.0M | 0.94% | 4.23% | 1.37% |
| Q3 2024 | $545.8M | $408.2M | $369.9M | $132.1M | $3.7M | 0.92% | 4.12% | 1.21% |
Loan mix (Q2 2026): real estate $376.6M · commercial $7.1M · consumer $1.2M · securities $1.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 61.2% | 85th |
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.