| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | -8.0% | +5.6% | -13.5 pts |
| ROA | 0.62% | 1.24% | -0.6 pts |
| ROE | 4.6% | 11.9% | -7.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $209.6M | $179.5M | $102.6M | $27.5M | $641K | 0.62% | 4.25% | 0.95% |
| Q1 2026 | $205.6M | $176.2M | $103.9M | $27.5M | $280K | 0.55% | 4.27% | 0.33% |
| Q4 2025 | $205.0M | $175.1M | $108.2M | $27.9M | $998K | 0.50% | 4.19% | 0.39% |
| Q3 2025 | $201.5M | $171.5M | $111.0M | $27.7M | $705K | 0.48% | 4.14% | 0.36% |
| Q2 2025 | $201.4M | $172.3M | $111.5M | $26.9M | $705K | 0.72% | 4.00% | 0.46% |
| Q1 2025 | $194.6M | $166.3M | $110.6M | $26.4M | $-80K | -0.17% | 3.96% | 0.33% |
| Q4 2024 | $188.5M | $160.6M | $114.9M | $25.9M | $625K | 0.34% | 3.98% | 0.22% |
| Q3 2024 | $186.5M | $158.0M | $115.9M | $26.4M | $192K | 0.14% | 3.92% | 0.23% |
Loan mix (Q2 2026): real estate $89.4M · commercial $7.4M · consumer $6.1M · securities $79.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 62.9% | 87th |
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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