| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +4.4% | -6.6 pts |
| Deposit growth (YoY) | -4.4% | +4.0% | -8.3 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 0.69% | 1.24% | -0.5 pts |
| ROE | 5.7% | 11.9% | -6.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.3M | $119.9M | $67.6M | $17.4M | $486K | 0.69% | 3.68% | 2.10% |
| Q1 2026 | $142.9M | $125.4M | $67.5M | $16.7M | $247K | 0.69% | 3.58% | 2.06% |
| Q4 2025 | $141.7M | $124.1M | $64.9M | $17.0M | $1.0M | 0.73% | 3.63% | 0.53% |
| Q3 2025 | $145.7M | $128.7M | $67.1M | $16.3M | $673K | 0.62% | 3.58% | 1.62% |
| Q2 2025 | $141.6M | $125.4M | $65.6M | $15.4M | $417K | 0.58% | 3.48% | 0.77% |
| Q1 2025 | $146.5M | $131.3M | $64.3M | $14.7M | $206K | 0.57% | 3.37% | 0.25% |
| Q4 2024 | $143.7M | $128.7M | $64.5M | $14.4M | $812K | 0.55% | 3.12% | 0.58% |
| Q3 2024 | $146.7M | $130.4M | $68.3M | $15.4M | $636K | 0.57% | 3.14% | 2.27% |
Loan mix (Q2 2026): real estate $27.6M · commercial $18.8M · consumer $15.1M · securities $52.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 62.9% | 68th |
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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