| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +4.4% | -9.6 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | -6.5% | +5.6% | -12.1 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 6.1% | 11.9% | -5.7 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $277.2M | $227.7M | $221.0M | $41.2M | $1.2M | 0.87% | 3.84% | 0.76% |
| Q1 2026 | $279.1M | $226.0M | $220.4M | $40.5M | $669K | 0.91% | 3.72% | 0.95% |
| Q4 2025 | $306.3M | $222.0M | $244.4M | $39.9M | $1.5M | 0.52% | 3.21% | 0.85% |
| Q3 2025 | $295.6M | $220.5M | $240.9M | $39.4M | $1.1M | 0.49% | 3.17% | 0.69% |
| Q2 2025 | $292.4M | $220.0M | $236.4M | $38.8M | $612K | 0.42% | 3.06% | 0.81% |
| Q1 2025 | $290.4M | $212.3M | $234.3M | $38.3M | $252K | 0.35% | 3.00% | 0.82% |
| Q4 2024 | $288.7M | $208.1M | $232.1M | $37.6M | $117K | 0.04% | 2.52% | 0.79% |
| Q3 2024 | $279.8M | $208.5M | $223.6M | $37.8M | $-37K | -0.02% | 2.42% | 0.94% |
Loan mix (Q2 2026): real estate $223.0M · commercial $0 · consumer $138K · securities $13.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 62.9% | 79th |
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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