| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.0% | -0.8 pts |
| Deposit growth (YoY) | +2.0% | +2.5% | -0.5 pts |
| Loan growth (YoY) | -5.6% | +2.6% | -8.2 pts |
| ROA | 0.15% | 0.99% | -0.8 pts |
| ROE | 0.5% | 8.1% | -7.6 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.1M | $60.3M | $44.5M | $25.4M | $65K | 0.15% | 2.94% | 0.00% |
| Q1 2026 | $86.4M | $60.0M | $46.5M | $24.8M | $-195K | -0.89% | 2.95% | 0.00% |
| Q4 2025 | $88.1M | $61.3M | $46.5M | $25.2M | $612K | 0.72% | 2.97% | 0.00% |
| Q3 2025 | $85.9M | $59.1M | $46.6M | $25.1M | $569K | 0.90% | 2.98% | 0.00% |
| Q2 2025 | $85.2M | $59.1M | $47.2M | $24.7M | $425K | 1.01% | 2.97% | 0.00% |
| Q1 2025 | $83.4M | $57.9M | $48.3M | $24.2M | $180K | 0.86% | 2.94% | 0.00% |
| Q4 2024 | $83.7M | $58.7M | $48.3M | $23.9M | $647K | 0.77% | 3.25% | 0.00% |
| Q3 2024 | $82.8M | $58.2M | $49.6M | $23.8M | $639K | 1.02% | 3.29% | 0.00% |
Loan mix (Q2 2026): real estate $44.9M · commercial $0 · consumer $106K · securities $15.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.99% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 8.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 70.8% | 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% |
The full ratio pack is part of CharterBench Pro.