| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +4.4% | -7.0 pts |
| Deposit growth (YoY) | -3.7% | +4.0% | -7.7 pts |
| Loan growth (YoY) | -4.0% | +5.6% | -9.5 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 4.6% | 11.9% | -7.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $297.1M | $260.1M | $219.3M | $36.3M | $825K | 0.55% | 4.99% | 3.16% |
| Q1 2026 | $295.7M | $258.5M | $220.2M | $36.3M | $546K | 0.73% | 4.84% | 3.41% |
| Q4 2025 | $305.1M | $268.6M | $222.5M | $35.9M | $2.7M | 0.87% | 4.67% | 2.28% |
| Q3 2025 | $306.2M | $270.3M | $220.9M | $35.1M | $2.0M | 0.85% | 4.56% | 2.24% |
| Q2 2025 | $305.0M | $270.1M | $228.3M | $34.2M | $1.3M | 0.86% | 4.46% | 2.33% |
| Q1 2025 | $305.3M | $271.2M | $225.6M | $33.3M | $620K | 0.81% | 4.34% | 2.31% |
| Q4 2024 | $310.2M | $277.3M | $229.1M | $32.3M | $2.6M | 0.82% | 4.29% | 2.35% |
| Q3 2024 | $310.6M | $274.1M | $229.1M | $31.5M | $2.0M | 0.84% | 4.27% | 2.40% |
Loan mix (Q2 2026): real estate $200.4M · commercial $19.5M · consumer $2.9M · securities $54.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 62.9% | 88th |
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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