| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.8 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 5.6% | 11.9% | -6.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.7M | $121.4M | $107.5M | $14.7M | $407K | 0.60% | 4.16% | 1.19% |
| Q1 2026 | $136.1M | $120.9M | $104.9M | $14.5M | $209K | 0.61% | 4.14% | 1.06% |
| Q4 2025 | $136.0M | $121.3M | $106.0M | $14.2M | $817K | 0.59% | 4.09% | 1.12% |
| Q3 2025 | $136.7M | $122.4M | $107.0M | $13.8M | $572K | 0.55% | 4.01% | 1.37% |
| Q2 2025 | $137.5M | $122.2M | $106.7M | $13.0M | $277K | 0.40% | 3.84% | 1.47% |
| Q1 2025 | $137.8M | $122.7M | $106.5M | $12.9M | $99K | 0.28% | 3.74% | 1.87% |
| Q4 2024 | $140.1M | $120.3M | $104.7M | $12.7M | $211K | 0.15% | 3.58% | 1.85% |
| Q3 2024 | $138.0M | $117.8M | $105.4M | $13.1M | $149K | 0.15% | 3.57% | 1.55% |
Loan mix (Q2 2026): real estate $103.4M · commercial $2.9M · consumer $2.0M · securities $15.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 62.9% | 89th |
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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