No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.2M | $117.3M | $88.4M | $12.0M | $473K | 0.66% | 4.01% | 0.04% |
| Q1 2026 | $145.5M | $123.8M | $83.8M | $11.7M | $130K | 0.36% | 3.96% | 0.05% |
| Q4 2025 | $145.4M | $123.6M | $77.0M | $11.7M | $967K | 0.67% | 3.72% | 0.16% |
| Q3 2025 | $148.9M | $127.4M | $79.7M | $11.3M | $745K | 0.69% | 3.76% | 0.37% |
| Q2 2025 | $144.2M | $123.6M | $83.5M | $10.5M | $542K | 0.76% | 3.83% | 0.39% |
| Q1 2025 | $144.2M | $123.9M | $82.0M | $10.3M | $259K | 0.73% | 3.73% | 0.40% |
| Q4 2024 | $140.2M | $120.7M | $81.4M | $9.7M | $1.0M | 0.74% | 3.92% | 0.79% |
| Q3 2024 | $139.1M | $121.9M | $77.8M | $10.3M | $693K | 0.69% | 3.91% | 0.95% |
Loan mix (Q2 2026): real estate $55.2M · commercial $13.5M · consumer $2.4M · securities $33.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 62.9% | 83th |
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% |
The full ratio pack is part of CharterBench Pro.