| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -4.8% | +4.0% | -8.8 pts |
| Loan growth (YoY) | -6.8% | +5.6% | -12.4 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 4.0% | 11.9% | -7.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $270.3M | $201.3M | $127.9M | $62.3M | $1.2M | 0.90% | 2.86% | 0.89% |
| Q1 2026 | $270.4M | $202.9M | $129.4M | $60.9M | $222K | 0.33% | 2.95% | 0.10% |
| Q4 2025 | $266.8M | $199.6M | $133.1M | $60.6M | $809K | 0.29% | 2.91% | 0.11% |
| Q3 2025 | $269.9M | $203.7M | $135.0M | $59.5M | $349K | 0.17% | 2.89% | 0.11% |
| Q2 2025 | $276.2M | $211.5M | $137.3M | $58.1M | $32K | 0.02% | 2.81% | 0.10% |
| Q1 2025 | $282.8M | $213.9M | $132.8M | $57.3M | $-65K | -0.09% | 2.78% | 0.09% |
| Q4 2024 | $278.9M | $210.8M | $131.6M | $56.0M | $395K | 0.15% | 2.82% | 0.00% |
| Q3 2024 | $268.4M | $199.0M | $136.9M | $57.1M | $63K | 0.03% | 2.87% | 0.10% |
Loan mix (Q2 2026): real estate $128.0M · commercial $652K · consumer $309K · securities $74.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 62.9% | 84th |
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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