| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +3.0% | +6.5 pts |
| Deposit growth (YoY) | +10.8% | +2.5% | +8.3 pts |
| Loan growth (YoY) | -1.8% | +2.6% | -4.4 pts |
| ROA | 0.80% | 0.99% | -0.2 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.9M | $66.0M | $18.6M | $8.5M | $290K | 0.80% | 3.76% | 0.01% |
| Q1 2026 | $73.4M | $64.6M | $20.3M | $8.4M | $159K | 0.88% | 3.66% | 0.01% |
| Q4 2025 | $70.4M | $61.5M | $20.4M | $8.6M | $805K | 1.20% | 3.50% | 0.01% |
| Q3 2025 | $69.1M | $60.0M | $19.5M | $8.6M | $791K | 1.59% | 3.40% | 0.00% |
| Q2 2025 | $68.4M | $59.5M | $18.9M | $8.4M | $657K | 2.00% | 3.32% | 0.00% |
| Q1 2025 | $67.6M | $58.9M | $17.4M | $8.3M | $563K | 3.51% | 3.00% | 0.00% |
| Q4 2024 | $60.8M | $52.8M | $17.2M | $7.7M | $325K | 0.53% | 2.98% | 0.04% |
| Q3 2024 | $63.2M | $55.3M | $18.4M | $7.5M | $85K | 0.18% | 2.84% | 0.01% |
Loan mix (Q2 2026): real estate $15.2M · commercial $2.0M · consumer $1.5M · securities $26.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.99% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 70.8% | 55th |
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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