| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.0% | -0.9 pts |
| Deposit growth (YoY) | -1.5% | +2.5% | -4.0 pts |
| Loan growth (YoY) | +3.1% | +2.6% | +0.5 pts |
| ROA | 0.77% | 0.99% | -0.2 pts |
| ROE | 2.4% | 8.1% | -5.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.7M | $19.5M | $39.7M | $13.7M | $166K | 0.77% | 4.11% | 2.66% |
| Q1 2026 | $42.8M | $19.8M | $39.4M | $13.6M | $128K | 1.18% | 4.25% | 2.56% |
| Q4 2025 | $43.6M | $20.9M | $40.8M | $13.5M | $233K | 0.55% | 3.82% | 3.13% |
| Q3 2025 | $43.2M | $20.6M | $39.6M | $13.4M | $168K | 0.54% | 3.83% | 0.80% |
| Q2 2025 | $41.8M | $19.7M | $38.5M | $13.3M | $95K | 0.46% | 3.74% | 0.69% |
| Q1 2025 | $41.1M | $19.1M | $36.6M | $13.3M | $40K | 0.39% | 3.89% | 0.89% |
| Q4 2024 | $40.6M | $18.6M | $36.7M | $13.3M | $227K | 0.57% | 3.85% | 1.18% |
| Q3 2024 | $39.7M | $17.8M | $35.2M | $13.2M | $175K | 0.59% | 4.09% | 1.78% |
Loan mix (Q2 2026): real estate $37.3M · commercial $1.6M · consumer $1.2M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 8.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 70.8% | 52th |
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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