| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | -2.2% | +5.6% | -7.8 pts |
| ROA | 0.36% | 1.24% | -0.9 pts |
| ROE | 4.5% | 11.9% | -7.4 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 | $161.3M | $148.2M | $110.3M | $12.7M | $286K | 0.36% | 4.10% | 0.48% |
| Q1 2026 | $162.0M | $148.8M | $111.1M | $12.8M | $166K | 0.41% | 3.95% | 0.42% |
| Q4 2025 | $158.7M | $145.5M | $110.8M | $12.8M | $788K | 0.51% | 3.81% | 0.73% |
| Q3 2025 | $155.8M | $142.8M | $109.4M | $12.6M | $663K | 0.57% | 3.72% | 0.43% |
| Q2 2025 | $154.2M | $141.9M | $112.7M | $11.8M | $347K | 0.45% | 3.75% | 0.68% |
| Q1 2025 | $156.1M | $144.2M | $113.1M | $11.5M | $209K | 0.54% | 3.85% | 0.44% |
| Q4 2024 | $152.3M | $139.3M | $112.2M | $10.9M | $681K | 0.45% | 3.37% | 0.50% |
| Q3 2024 | $153.2M | $139.7M | $111.5M | $11.6M | $511K | 0.45% | 3.35% | 0.57% |
Loan mix (Q2 2026): real estate $94.3M · commercial $9.4M · consumer $2.9M · securities $21.0M
| 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 | 4.5% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 62.9% | 91th |
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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