| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +3.0% | -8.3 pts |
| Deposit growth (YoY) | -7.8% | +2.5% | -10.3 pts |
| Loan growth (YoY) | -6.4% | +2.6% | -9.0 pts |
| ROA | 1.61% | 0.99% | +0.6 pts |
| ROE | 10.6% | 8.1% | +2.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.0M | $35.3M | $12.2M | $6.6M | $350K | 1.61% | 4.85% | 0.00% |
| Q1 2026 | $44.6M | $38.1M | $12.6M | $6.5M | $164K | 1.49% | 4.68% | 0.00% |
| Q4 2025 | $43.5M | $36.8M | $12.4M | $6.6M | $718K | 1.62% | 5.17% | 0.00% |
| Q3 2025 | $43.5M | $36.9M | $13.3M | $6.6M | $699K | 2.09% | 5.17% | 0.00% |
| Q2 2025 | $44.3M | $38.3M | $13.0M | $6.0M | $447K | 1.99% | 5.16% | 0.00% |
| Q1 2025 | $46.2M | $40.5M | $12.1M | $5.7M | $184K | 1.63% | 4.87% | 0.16% |
| Q4 2024 | $44.3M | $38.9M | $12.4M | $5.4M | $957K | 2.15% | 5.34% | 0.17% |
| Q3 2024 | $45.1M | $39.1M | $12.3M | $5.9M | $784K | 2.35% | 5.19% | 0.17% |
Loan mix (Q2 2026): real estate $10.8M · commercial $839K · consumer $784K · securities $13.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.99% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 8.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 70.8% | 44th |
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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