| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -5.9 pts |
| Loan growth (YoY) | -2.3% | +5.6% | -7.9 pts |
| ROA | 0.11% | 1.24% | -1.1 pts |
| ROE | 1.0% | 11.9% | -10.9 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $240.6M | $192.4M | $173.9M | $27.7M | $139K | 0.11% | 2.70% | 1.52% |
| Q1 2026 | $248.4M | $199.9M | $173.2M | $27.8M | $-65K | -0.11% | 2.60% | 1.71% |
| Q4 2025 | $244.5M | $196.1M | $175.0M | $27.9M | $-329K | -0.13% | 2.65% | 1.72% |
| Q3 2025 | $246.5M | $198.8M | $175.8M | $27.2M | $-813K | -0.44% | 2.63% | 2.38% |
| Q2 2025 | $244.0M | $196.2M | $177.9M | $27.2M | $-482K | -0.39% | 2.61% | 0.84% |
| Q1 2025 | $246.0M | $197.5M | $184.9M | $28.0M | $-109K | -0.18% | 2.48% | 0.90% |
| Q4 2024 | $243.8M | $195.9M | $187.4M | $27.3M | $260K | 0.10% | 2.57% | 0.41% |
| Q3 2024 | $247.9M | $198.7M | $189.3M | $28.6M | $252K | 0.13% | 2.57% | 0.37% |
Loan mix (Q2 2026): real estate $169.5M · commercial $4.9M · consumer $1.2M · securities $44.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.4% | 62.9% | 96th |
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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