| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +4.4% | -8.2 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.5 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.3M | $170.2M | $179.5M | $33.6M | $1.1M | 1.02% | 4.10% | 0.59% |
| Q1 2026 | $213.0M | $174.0M | $184.5M | $33.0M | $488K | 0.92% | 3.96% | 0.54% |
| Q4 2025 | $213.3M | $172.6M | $187.6M | $32.5M | $1.9M | 0.89% | 3.68% | 0.56% |
| Q3 2025 | $215.9M | $173.3M | $184.2M | $32.0M | $1.4M | 0.85% | 3.57% | 0.56% |
| Q2 2025 | $216.6M | $171.0M | $185.0M | $31.3M | $735K | 0.68% | 3.43% | 0.44% |
| Q1 2025 | $214.1M | $163.3M | $185.7M | $30.8M | $295K | 0.55% | 3.27% | 0.57% |
| Q4 2024 | $215.2M | $162.9M | $188.7M | $30.4M | $1.2M | 0.58% | 3.12% | 0.58% |
| Q3 2024 | $212.7M | $161.8M | $185.9M | $30.2M | $859K | 0.54% | 3.05% | 0.51% |
Loan mix (Q2 2026): real estate $172.1M · commercial $5.8M · consumer $2.8M · securities $7.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | 70th |
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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