| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.8 pts |
| Loan growth (YoY) | -8.9% | +5.6% | -14.5 pts |
| ROA | 0.36% | 1.24% | -0.9 pts |
| ROE | 3.1% | 11.9% | -8.7 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.1M | $169.7M | $79.4M | $21.7M | $341K | 0.36% | 3.25% | 2.99% |
| Q1 2026 | $190.5M | $167.8M | $84.3M | $21.7M | $119K | 0.25% | 3.19% | 1.14% |
| Q4 2025 | $183.8M | $160.9M | $83.1M | $21.7M | $1.0M | 0.54% | 3.39% | 0.67% |
| Q3 2025 | $185.7M | $163.5M | $85.6M | $21.5M | $861K | 0.61% | 3.37% | 0.90% |
| Q2 2025 | $179.2M | $157.5M | $87.2M | $20.8M | $630K | 0.67% | 3.33% | 0.81% |
| Q1 2025 | $190.4M | $168.6M | $87.3M | $20.6M | $342K | 0.71% | 3.25% | 0.86% |
| Q4 2024 | $196.3M | $175.1M | $93.0M | $19.9M | $1.3M | 0.68% | 3.44% | 0.50% |
| Q3 2024 | $191.7M | $170.3M | $96.5M | $20.3M | $955K | 0.67% | 3.42% | 0.53% |
Loan mix (Q2 2026): real estate $57.6M · commercial $14.5M · consumer $1.1M · securities $54.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 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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