| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.0% | -3.3 pts |
| Deposit growth (YoY) | +0.4% | +2.5% | -2.1 pts |
| Loan growth (YoY) | +5.9% | +2.6% | +3.3 pts |
| ROA | 0.30% | 0.99% | -0.7 pts |
| ROE | 1.8% | 8.1% | -6.3 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.9M | $61.1M | $47.0M | $13.4M | $117K | 0.30% | 2.64% | 0.11% |
| Q1 2026 | $77.9M | $61.4M | $47.3M | $13.4M | $31K | 0.16% | 2.64% | 0.03% |
| Q4 2025 | $76.5M | $61.3M | $46.8M | $13.4M | $354K | 0.46% | 2.35% | 0.09% |
| Q3 2025 | $76.6M | $60.7M | $45.5M | $13.2M | $284K | 0.49% | 2.27% | 0.23% |
| Q2 2025 | $77.2M | $60.8M | $44.4M | $12.7M | $144K | 0.37% | 2.19% | 0.07% |
| Q1 2025 | $76.1M | $58.7M | $45.2M | $12.6M | $56K | 0.29% | 2.19% | 0.04% |
| Q4 2024 | $77.6M | $58.1M | $44.0M | $12.1M | $18K | 0.02% | 2.02% | 0.14% |
| Q3 2024 | $77.0M | $57.0M | $43.8M | $12.8M | $11K | 0.02% | 2.04% | 0.14% |
Loan mix (Q2 2026): real estate $47.2M · commercial $0 · consumer $76K · securities $17.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.99% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 8.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 70.8% | 61th |
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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