| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.4% | -6.1 pts |
| Deposit growth (YoY) | -2.5% | +4.0% | -6.5 pts |
| Loan growth (YoY) | -7.0% | +5.6% | -12.6 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 6.6% | 11.9% | -5.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $218.3M | $191.5M | $86.6M | $25.4M | $835K | 0.75% | 3.34% | 0.01% |
| Q1 2026 | $222.1M | $195.8M | $91.6M | $25.1M | $429K | 0.76% | 3.36% | 0.01% |
| Q4 2025 | $228.6M | $202.3M | $94.3M | $25.0M | $1.6M | 0.74% | 3.27% | 0.01% |
| Q3 2025 | $210.3M | $183.9M | $97.2M | $24.8M | $1.3M | 0.79% | 3.32% | 0.00% |
| Q2 2025 | $222.1M | $196.5M | $93.1M | $24.2M | $869K | 0.79% | 3.32% | 0.00% |
| Q1 2025 | $229.6M | $204.7M | $88.0M | $23.6M | $456K | 0.84% | 3.33% | 0.00% |
| Q4 2024 | $206.2M | $182.1M | $85.0M | $22.8M | $1.2M | 0.59% | 3.13% | 0.02% |
| Q3 2024 | $196.2M | $171.2M | $86.6M | $23.4M | $739K | 0.50% | 3.17% | 0.03% |
Loan mix (Q2 2026): real estate $73.3M · commercial $9.4M · consumer $4.8M · securities $84.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 62.9% | 74th |
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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