| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -5.9 pts |
| Deposit growth (YoY) | -2.3% | +4.0% | -6.2 pts |
| Loan growth (YoY) | -3.9% | +5.6% | -9.5 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 9.0% | 11.9% | -2.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $187.2M | $170.3M | $89.9M | $14.0M | $630K | 0.66% | 3.14% | 0.11% |
| Q1 2026 | $192.6M | $175.2M | $92.1M | $13.8M | $182K | 0.38% | 2.93% | 0.51% |
| Q4 2025 | $189.5M | $171.4M | $92.0M | $14.1M | $1.0M | 0.55% | 2.97% | 0.59% |
| Q3 2025 | $186.3M | $168.8M | $91.7M | $13.6M | $873K | 0.62% | 3.02% | 0.35% |
| Q2 2025 | $190.2M | $174.2M | $93.6M | $12.7M | $629K | 0.68% | 3.04% | 0.31% |
| Q1 2025 | $185.8M | $169.8M | $92.3M | $12.2M | $230K | 0.50% | 2.92% | 0.52% |
| Q4 2024 | $182.8M | $168.6M | $91.0M | $11.2M | $735K | 0.41% | 2.78% | 0.32% |
| Q3 2024 | $182.9M | $166.6M | $92.1M | $11.8M | $586K | 0.44% | 2.79% | 0.29% |
Loan mix (Q2 2026): real estate $74.4M · commercial $15.4M · consumer $1.2M · securities $76.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 62.9% | 85th |
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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