| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +3.0% | -3.0 pts |
| Deposit growth (YoY) | -0.5% | +2.5% | -3.0 pts |
| Loan growth (YoY) | +0.8% | +2.6% | -1.8 pts |
| ROA | 0.11% | 0.99% | -0.9 pts |
| ROE | 0.8% | 8.1% | -7.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.5M | $63.7M | $25.4M | $10.8M | $41K | 0.11% | 3.60% | 0.79% |
| Q1 2026 | $75.4M | $62.9M | $25.8M | $10.8M | $17K | 0.09% | 3.59% | 1.57% |
| Q4 2025 | $79.7M | $67.2M | $24.9M | $10.8M | $122K | 0.16% | 3.52% | 1.49% |
| Q3 2025 | $79.1M | $66.4M | $25.0M | $10.6M | $-22K | -0.04% | 3.51% | 1.75% |
| Q2 2025 | $76.5M | $64.0M | $25.2M | $10.7M | $1K | 0.00% | 3.48% | 1.81% |
| Q1 2025 | $72.4M | $60.2M | $25.4M | $10.6M | $-34K | -0.19% | 3.34% | 1.92% |
| Q4 2024 | $73.6M | $61.4M | $25.0M | $10.7M | $260K | 0.38% | 3.87% | 1.77% |
| Q3 2024 | $68.1M | $55.6M | $26.4M | $10.6M | $228K | 0.45% | 3.84% | 1.86% |
Loan mix (Q2 2026): real estate $22.3M · commercial $3.2M · consumer $1.2M · securities $37.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.99% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 8.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.7% | 70.8% | 88th |
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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