| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | -2.1% | +4.0% | -6.0 pts |
| Loan growth (YoY) | -3.4% | +5.6% | -9.0 pts |
| ROA | -1.14% | 1.24% | -2.4 pts |
| ROE | -5.9% | 11.9% | -17.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382.4M | $279.6M | $291.9M | $74.2M | $-2.2M | -1.14% | 6.04% | 0.74% |
| Q1 2026 | $391.2M | $295.4M | $294.6M | $75.4M | $-1.1M | -1.09% | 6.20% | 0.89% |
| Q4 2025 | $395.1M | $302.6M | $304.7M | $76.6M | $-3.2M | -0.84% | 6.04% | 0.83% |
| Q3 2025 | $380.9M | $286.1M | $298.2M | $77.6M | $-2.1M | -0.75% | 6.09% | 0.78% |
| Q2 2025 | $381.5M | $285.5M | $302.2M | $77.5M | $-2.2M | -1.16% | 6.06% | 0.78% |
| Q1 2025 | $358.4M | $276.7M | $303.9M | $63.5M | $-2.2M | -2.36% | 6.45% | 0.83% |
| Q4 2024 | $379.3M | $296.4M | $318.5M | $65.6M | $399K | 0.11% | 6.46% | 0.87% |
| Q3 2024 | $344.5M | $264.2M | $293.2M | $65.2M | $-59K | -0.02% | 6.79% | 0.82% |
Loan mix (Q2 2026): real estate $0 · commercial $118.7M · consumer $184.0M · securities $16.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.14% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -5.9% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 62.9% | 94th |
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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