| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.9M | $146.4M | $96.8M | $13.8M | $733K | 0.89% | 4.15% | 1.10% |
| Q1 2026 | $162.5M | $146.4M | $94.4M | $13.4M | $403K | 0.98% | 4.11% | 0.95% |
| Q4 2025 | $166.9M | $151.0M | $93.5M | $13.2M | $1.5M | 0.90% | 4.16% | 0.81% |
| Q3 2025 | $158.8M | $143.5M | $93.5M | $12.6M | $1.1M | 0.90% | 4.06% | 1.02% |
| Q2 2025 | $160.9M | $146.5M | $91.4M | $11.7M | $732K | 0.90% | 4.05% | 0.59% |
| Q1 2025 | $158.7M | $144.9M | $91.4M | $11.1M | $311K | 0.77% | 3.76% | 0.63% |
| Q4 2024 | $165.8M | $146.8M | $90.0M | $10.5M | $1.1M | 0.74% | 3.76% | 0.35% |
| Q3 2024 | $149.2M | $129.7M | $90.3M | $11.2M | $752K | 0.68% | 3.74% | 0.45% |
Loan mix (Q2 2026): real estate $71.0M · commercial $11.0M · consumer $8.8M · securities $49.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 62.9% | 71th |
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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