| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.7 pts |
| ROA | 0.31% | 1.24% | -0.9 pts |
| ROE | 3.4% | 11.9% | -8.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $327.1M | $289.1M | $283.9M | $30.6M | $506K | 0.31% | 3.13% | 0.04% |
| Q1 2026 | $326.9M | $296.1M | $285.0M | $29.0M | $369K | 0.45% | 3.02% | 0.09% |
| Q4 2025 | $331.9M | $286.6M | $287.9M | $28.8M | $-448K | -0.14% | 2.89% | 0.08% |
| Q3 2025 | $326.6M | $287.3M | $286.7M | $28.3M | $-704K | -0.29% | 2.80% | 0.29% |
| Q2 2025 | $324.9M | $291.4M | $281.5M | $27.8M | $-721K | -0.45% | 2.72% | 0.16% |
| Q1 2025 | $317.4M | $281.6M | $275.8M | $27.6M | $-600K | -0.75% | 2.53% | 0.22% |
| Q4 2024 | $320.3M | $289.8M | $275.6M | $27.7M | $-1.8M | -0.53% | 2.38% | 0.14% |
| Q3 2024 | $334.1M | $297.9M | $288.7M | $29.0M | $-1.5M | -0.59% | 2.30% | 0.10% |
Loan mix (Q2 2026): real estate $283.0M · commercial $2.9M · consumer $87K · securities $22.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.9% | 62.9% | 98th |
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.