| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +0.0% | +4.0% | -3.9 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 11.0% | 11.9% | -0.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.2M | $107.6M | $54.3M | $5.7M | $296K | 0.51% | 3.38% | 0.54% |
| Q1 2026 | $115.2M | $108.8M | $52.2M | $4.9M | $121K | 0.42% | 3.24% | 0.57% |
| Q4 2025 | $117.9M | $110.5M | $51.9M | $5.5M | $709K | 0.62% | 3.15% | 0.60% |
| Q3 2025 | $114.0M | $107.5M | $51.1M | $4.6M | $473K | 0.55% | 3.11% | 0.57% |
| Q2 2025 | $113.7M | $107.6M | $50.5M | $3.4M | $383K | 0.67% | 3.02% | 0.61% |
| Q1 2025 | $112.3M | $106.1M | $50.8M | $3.6M | $306K | 1.08% | 2.89% | 0.66% |
| Q4 2024 | $115.2M | $108.5M | $52.2M | $2.9M | $684K | 0.60% | 3.02% | 0.66% |
| Q3 2024 | $110.6M | $102.7M | $52.9M | $4.1M | $199K | 0.23% | 2.96% | 0.52% |
Loan mix (Q2 2026): real estate $28.2M · commercial $19.8M · consumer $5.0M · securities $45.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 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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