| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.0% | -0.4 pts |
| Deposit growth (YoY) | +2.1% | +2.5% | -0.4 pts |
| Loan growth (YoY) | -2.4% | +2.6% | -5.0 pts |
| ROA | 0.99% | 0.99% | -0.0 pts |
| ROE | 5.4% | 8.1% | -2.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.0M | $68.4M | $45.8M | $15.3M | $412K | 0.99% | 3.50% | 0.00% |
| Q1 2026 | $82.4M | $67.0M | $46.3M | $15.1M | $184K | 0.89% | 3.42% | 0.17% |
| Q4 2025 | $82.7M | $67.5M | $46.1M | $15.0M | $828K | 1.00% | 3.54% | 0.00% |
| Q3 2025 | $80.5M | $65.4M | $46.0M | $14.8M | $632K | 1.02% | 3.54% | 0.00% |
| Q2 2025 | $81.9M | $67.0M | $46.9M | $14.6M | $450K | 1.07% | 3.55% | 0.00% |
| Q1 2025 | $87.0M | $72.5M | $47.7M | $14.3M | $202K | 0.95% | 3.36% | 0.00% |
| Q4 2024 | $82.4M | $68.1M | $47.5M | $14.1M | $997K | 1.18% | 3.60% | 0.00% |
| Q3 2024 | $81.5M | $67.4M | $49.7M | $13.9M | $782K | 1.23% | 3.62% | 0.03% |
Loan mix (Q2 2026): real estate $45.9M · commercial $73K · consumer $45K · securities $19.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.99% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 8.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 70.8% | 39th |
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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