No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.00B | $1.19B | $137.4M | $1.8M | 0.24% | 2.39% | 0.11% |
| Q1 2026 | $1.46B | $1.01B | $1.18B | $135.2M | $604K | 0.17% | 2.38% | 0.11% |
| Q4 2025 | $1.45B | $1.03B | $1.17B | $134.0M | $3.1M | 0.22% | 2.19% | 0.02% |
| Q3 2025 | $1.44B | $1.05B | $1.17B | $129.7M | $1.8M | 0.17% | 2.13% | 0.02% |
| Q2 2025 | $1.44B | $1.02B | $1.15B | $126.6M | $480K | 0.07% | 2.07% | 0.03% |
| Q1 2025 | $1.42B | $1.01B | $1.13B | $126.5M | $-47K | -0.01% | 2.04% | 0.05% |
| Q4 2024 | $1.41B | $1.01B | $1.13B | $125.4M | $1.5M | 0.11% | 1.93% | 0.04% |
| Q3 2024 | $1.43B | $1.01B | $1.13B | $126.3M | $616K | 0.06% | 1.90% | 0.11% |
Loan mix (Q2 2026): real estate $1.16B · commercial $23.0M · consumer $9.3M · securities $183.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 1.26% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 12.2% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 59.0% | 98th |
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.