| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.2 pts |
| Loan growth (YoY) | -4.0% | +5.6% | -9.6 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 5.7% | 11.9% | -6.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.7M | $104.8M | $57.9M | $9.6M | $229K | 0.40% | 0.43% | 0.47% |
| Q1 2026 | $114.6M | $107.0M | $58.0M | $7.1M | $263K | 0.94% | 3.50% | 0.59% |
| Q4 2025 | $110.2M | $102.6M | $59.6M | $7.3M | $1.1M | 1.06% | 3.52% | 0.69% |
| Q3 2025 | $106.7M | $99.3M | $62.1M | $7.0M | $893K | 1.13% | 3.50% | 0.72% |
| Q2 2025 | $105.7M | $98.7M | $60.3M | $6.6M | $579K | 1.11% | 3.45% | 0.48% |
| Q1 2025 | $106.2M | $99.6M | $58.8M | $6.2M | $247K | 0.95% | 3.38% | 0.02% |
| Q4 2024 | $101.2M | $95.1M | $58.1M | $5.8M | $935K | 0.94% | 3.03% | 0.02% |
| Q3 2024 | $98.4M | $92.7M | $57.4M | $5.4M | $344K | 0.46% | 2.94% | 0.04% |
Loan mix (Q2 2026): real estate $46.0M · commercial $3.9M · consumer $3.7M · securities $24.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 4.2% | 62.9% | 0th |
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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