| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.0% | -1.4 pts |
| Deposit growth (YoY) | +5.3% | +2.5% | +2.9 pts |
| Loan growth (YoY) | -9.7% | +2.6% | -12.3 pts |
| ROA | 2.00% | 0.99% | +1.0 pts |
| ROE | 12.8% | 8.1% | +4.8 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.8M | $60.3M | $26.8M | $11.3M | $710K | 2.00% | 3.78% | 0.70% |
| Q1 2026 | $71.6M | $60.5M | $26.9M | $11.0M | $334K | 1.89% | 3.68% | 0.03% |
| Q4 2025 | $69.7M | $57.8M | $27.7M | $10.8M | $1.2M | 1.75% | 3.50% | 0.04% |
| Q3 2025 | $67.9M | $56.3M | $28.9M | $11.4M | $882K | 1.69% | 3.45% | 0.06% |
| Q2 2025 | $70.7M | $57.2M | $29.7M | $11.2M | $569K | 1.62% | 3.38% | 0.04% |
| Q1 2025 | $70.4M | $59.2M | $28.6M | $11.0M | $251K | 1.44% | 3.30% | 0.04% |
| Q4 2024 | $69.3M | $57.6M | $29.1M | $10.8M | $1.2M | 1.65% | 3.30% | 0.07% |
| Q3 2024 | $71.0M | $59.4M | $28.4M | $11.3M | $908K | 1.67% | 3.28% | 0.07% |
Loan mix (Q2 2026): real estate $23.6M · commercial $2.5M · consumer $720K · securities $40.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.99% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 8.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.3% | 70.8% | 7th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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