| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +4.4% | -12.6 pts |
| Deposit growth (YoY) | -8.0% | +4.0% | -11.9 pts |
| Loan growth (YoY) | -5.0% | +5.6% | -10.6 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.1M | $85.2M | $71.4M | $11.5M | $483K | 0.91% | 4.50% | 1.17% |
| Q1 2026 | $106.3M | $86.7M | $73.7M | $11.4M | $221K | 0.82% | 4.34% | 1.42% |
| Q4 2025 | $109.1M | $88.1M | $75.5M | $11.3M | $1.2M | 1.05% | 4.17% | 1.80% |
| Q3 2025 | $109.2M | $90.8M | $75.2M | $11.0M | $887K | 1.07% | 4.10% | 1.79% |
| Q2 2025 | $111.3M | $92.6M | $75.2M | $10.9M | $662K | 1.20% | 4.04% | 0.75% |
| Q1 2025 | $109.9M | $91.1M | $76.1M | $10.4M | $379K | 1.38% | 3.81% | 0.50% |
| Q4 2024 | $110.2M | $91.6M | $77.7M | $9.7M | $396K | 0.36% | 3.46% | 0.51% |
| Q3 2024 | $112.6M | $93.0M | $77.6M | $10.2M | $224K | 0.27% | 3.31% | 0.63% |
Loan mix (Q2 2026): real estate $61.7M · commercial $5.3M · consumer $4.7M · securities $20.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 62.9% | 76th |
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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