| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.4% | -6.3 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.5 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 17.4% | 11.9% | +5.6 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.1M | $144.0M | $105.1M | $10.7M | $928K | 1.19% | 4.90% | 0.76% |
| Q1 2026 | $156.4M | $145.6M | $99.7M | $10.5M | $308K | 0.79% | 4.89% | 0.80% |
| Q4 2025 | $155.1M | $144.0M | $99.3M | $10.8M | $2.2M | 1.43% | 4.90% | 0.52% |
| Q3 2025 | $156.8M | $145.5M | $98.6M | $10.8M | $1.6M | 1.40% | 4.88% | 0.79% |
| Q2 2025 | $158.2M | $147.7M | $99.3M | $9.9M | $1.1M | 1.36% | 4.86% | 0.89% |
| Q1 2025 | $154.3M | $144.3M | $99.5M | $9.5M | $378K | 0.99% | 4.45% | 2.47% |
| Q4 2024 | $152.1M | $142.6M | $98.9M | $9.2M | $2.1M | 1.40% | 4.64% | 2.28% |
| Q3 2024 | $151.1M | $141.1M | $94.3M | $9.4M | $1.6M | 1.47% | 4.68% | 2.36% |
Loan mix (Q2 2026): real estate $66.5M · commercial $16.1M · consumer $15.6M · securities $26.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 62.9% | 70th |
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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