| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.0% | -0.9 pts |
| Deposit growth (YoY) | +1.1% | +2.5% | -1.4 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | 0.46% | 0.99% | -0.5 pts |
| ROE | 2.7% | 8.1% | -5.4 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.5M | $72.5M | $58.9M | $16.3M | $217K | 0.46% | 3.25% | 0.00% |
| Q1 2026 | $94.5M | $72.8M | $59.1M | $15.8M | $105K | 0.45% | 3.19% | 0.00% |
| Q4 2025 | $94.2M | $71.1M | $58.2M | $15.9M | $218K | 0.23% | 3.01% | 0.08% |
| Q3 2025 | $92.6M | $69.6M | $56.0M | $15.7M | $179K | 0.26% | 3.00% | 0.01% |
| Q2 2025 | $92.6M | $71.7M | $55.2M | $15.1M | $128K | 0.28% | 2.97% | 0.03% |
| Q1 2025 | $93.7M | $72.6M | $54.5M | $15.3M | $45K | 0.19% | 2.92% | 0.07% |
| Q4 2024 | $92.7M | $71.6M | $54.4M | $15.3M | $-217K | -0.23% | 2.82% | 0.01% |
| Q3 2024 | $93.9M | $72.2M | $55.4M | $15.9M | $-267K | -0.38% | 2.76% | 0.08% |
Loan mix (Q2 2026): real estate $58.5M · commercial $765K · consumer $331K · securities $23.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.99% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 8.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 70.8% | 72th |
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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