| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +3.0% | -5.6 pts |
| Deposit growth (YoY) | -6.4% | +2.5% | -8.9 pts |
| Loan growth (YoY) | -2.6% | +2.6% | -5.2 pts |
| ROA | 0.34% | 0.99% | -0.7 pts |
| ROE | 3.4% | 8.1% | -4.7 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 | $90.8M | $68.5M | $77.3M | $9.3M | $156K | 0.34% | 3.80% | 0.02% |
| Q1 2026 | $93.0M | $71.9M | $78.9M | $9.3M | $103K | 0.44% | 3.74% | 0.08% |
| Q4 2025 | $93.0M | $72.7M | $78.9M | $9.2M | $110K | 0.12% | 3.45% | 0.08% |
| Q3 2025 | $93.6M | $74.9M | $79.8M | $9.1M | $97K | 0.14% | 3.42% | 0.12% |
| Q2 2025 | $93.2M | $73.2M | $79.4M | $9.1M | $48K | 0.10% | 3.43% | 0.09% |
| Q1 2025 | $93.5M | $72.6M | $80.2M | $9.1M | $20K | 0.09% | 3.51% | 0.09% |
| Q4 2024 | $93.8M | $74.7M | $80.7M | $9.0M | $-307K | -0.32% | 2.91% | 0.22% |
| Q3 2024 | $94.5M | $75.9M | $81.1M | $9.2M | $-148K | -0.21% | 2.86% | 0.14% |
Loan mix (Q2 2026): real estate $66.5M · commercial $10.9M · consumer $485K · securities $7.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.99% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 8.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 70.8% | 80th |
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.