| Metric | Profile Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | +10.1% | +5.6% | +4.5 pts |
| ROA | 0.25% | 1.24% | -1.0 pts |
| ROE | 2.8% | 11.9% | -9.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $316.6M | $280.3M | $198.2M | $28.2M | $387K | 0.25% | 3.11% | 0.01% |
| Q1 2026 | $310.4M | $280.5M | $192.9M | $28.1M | $219K | 0.28% | 3.13% | 0.06% |
| Q4 2025 | $314.2M | $276.2M | $197.5M | $27.9M | $313K | 0.10% | 2.88% | 0.07% |
| Q3 2025 | $318.6M | $289.2M | $184.5M | $27.8M | $204K | 0.09% | 2.79% | 0.04% |
| Q2 2025 | $317.0M | $287.9M | $180.0M | $27.5M | $-47K | -0.03% | 2.66% | 0.00% |
| Q1 2025 | $299.2M | $270.1M | $175.3M | $27.4M | $-77K | -0.10% | 2.62% | 0.10% |
| Q4 2024 | $295.8M | $257.1M | $174.0M | $27.4M | $-69K | -0.02% | 2.46% | 0.00% |
| Q3 2024 | $298.2M | $260.0M | $172.9M | $27.5M | $0 | 0.00% | 2.42% | 0.02% |
Loan mix (Q2 2026): real estate $168.6M · commercial $23.6M · consumer $6.3M · securities $76.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Profile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 62.9% | 94th |
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 | Profile Bank | 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 | Profile Bank | 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 | Profile Bank | 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 | Profile Bank | 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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