| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 0.28% | 1.24% | -1.0 pts |
| ROE | 4.2% | 11.9% | -7.7 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.8M | $167.7M | $120.9M | $12.1M | $250K | 0.28% | 2.36% | 0.47% |
| Q1 2026 | $181.0M | $168.2M | $118.7M | $11.8M | $47K | 0.10% | 2.25% | 0.46% |
| Q4 2025 | $178.9M | $164.2M | $117.9M | $12.0M | $-364K | -0.21% | 2.03% | 0.70% |
| Q3 2025 | $179.6M | $163.4M | $115.0M | $11.7M | $-85K | -0.06% | 1.99% | 0.61% |
| Q2 2025 | $177.4M | $162.0M | $113.0M | $11.0M | $-93K | -0.11% | 1.93% | 0.33% |
| Q1 2025 | $176.9M | $159.8M | $111.5M | $11.3M | $-45K | -0.10% | 1.88% | 0.37% |
| Q4 2024 | $172.9M | $156.7M | $110.4M | $10.7M | $-333K | -0.19% | 1.72% | 0.43% |
| Q3 2024 | $176.7M | $158.9M | $109.6M | $11.8M | $-289K | -0.22% | 1.72% | 0.32% |
Loan mix (Q2 2026): real estate $115.7M · commercial $0 · consumer $3.0M · securities $42.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 62.9% | 92th |
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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