| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +5.7% | +5.6% | +0.1 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 5.0% | 11.9% | -6.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.5M | $172.8M | $111.4M | $32.7M | $806K | 0.77% | 3.06% | 0.15% |
| Q1 2026 | $211.1M | $175.6M | $109.0M | $32.2M | $367K | 0.70% | 2.96% | 0.15% |
| Q4 2025 | $207.4M | $172.1M | $108.8M | $32.1M | $1.8M | 0.89% | 2.89% | 0.12% |
| Q3 2025 | $203.4M | $168.7M | $108.9M | $31.3M | $1.2M | 0.80% | 2.87% | 0.11% |
| Q2 2025 | $208.4M | $175.1M | $105.4M | $30.2M | $765K | 0.75% | 2.82% | 0.11% |
| Q1 2025 | $205.5M | $172.9M | $99.5M | $29.4M | $299K | 0.59% | 2.73% | 0.17% |
| Q4 2024 | $198.1M | $166.7M | $96.2M | $28.3M | $980K | 0.50% | 2.66% | 0.18% |
| Q3 2024 | $198.8M | $165.6M | $95.1M | $29.7M | $848K | 0.57% | 2.66% | 0.21% |
Loan mix (Q2 2026): real estate $103.0M · commercial $5.9M · consumer $3.3M · securities $64.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 62.9% | 55th |
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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