| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.0% | -1.3 pts |
| Deposit growth (YoY) | +6.5% | +2.5% | +4.0 pts |
| Loan growth (YoY) | -5.5% | +2.6% | -8.1 pts |
| ROA | 0.54% | 0.99% | -0.5 pts |
| ROE | 5.5% | 8.1% | -2.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.9M | $53.6M | $34.3M | $6.1M | $165K | 0.54% | 3.35% | 0.69% |
| Q1 2026 | $62.0M | $55.7M | $34.7M | $6.0M | $67K | 0.43% | 3.25% | 0.66% |
| Q4 2025 | $62.9M | $56.7M | $34.8M | $5.9M | $265K | 0.45% | 3.35% | 0.27% |
| Q3 2025 | $59.5M | $53.3M | $35.8M | $6.0M | $227K | 0.52% | 3.33% | 0.39% |
| Q2 2025 | $58.9M | $50.3M | $36.3M | $5.9M | $134K | 0.46% | 3.30% | 0.34% |
| Q1 2025 | $57.8M | $51.8M | $35.3M | $5.8M | $48K | 0.33% | 3.18% | 0.10% |
| Q4 2024 | $58.0M | $51.9M | $34.6M | $5.8M | $136K | 0.24% | 2.87% | 0.14% |
| Q3 2024 | $57.0M | $51.0M | $34.8M | $5.8M | $79K | 0.18% | 2.81% | 0.12% |
Loan mix (Q2 2026): real estate $28.5M · commercial $2.2M · consumer $1.9M · securities $15.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.99% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 8.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 70.8% | 68th |
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% |
The full ratio pack is part of CharterBench Pro.