| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +1.2% | +2.5% | -1.3 pts |
| Loan growth (YoY) | -0.5% | +2.6% | -3.1 pts |
| ROA | 0.59% | 0.99% | -0.4 pts |
| ROE | 5.1% | 8.1% | -2.9 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 | $98.3M | $86.5M | $5.1M | $11.3M | $290K | 0.59% | 1.64% | 0.07% |
| Q1 2026 | $98.8M | $87.2M | $4.8M | $11.1M | $162K | 0.65% | 1.60% | 0.20% |
| Q4 2025 | $100.1M | $88.1M | $5.2M | $11.5M | $156K | 0.16% | 1.41% | 0.04% |
| Q3 2025 | $98.8M | $87.0M | $5.6M | $11.2M | $320K | 0.44% | 1.39% | 0.08% |
| Q2 2025 | $96.0M | $85.4M | $5.2M | $10.0M | $206K | 0.43% | 1.37% | 0.10% |
| Q1 2025 | $93.7M | $83.8M | $5.3M | $9.5M | $93K | 0.39% | 1.39% | 0.01% |
| Q4 2024 | $95.5M | $86.7M | $5.4M | $8.2M | $-2.4M | -2.40% | 1.09% | 0.03% |
| Q3 2024 | $94.7M | $83.2M | $5.2M | $11.0M | $-2.2M | -2.93% | 1.06% | 0.02% |
Loan mix (Q2 2026): real estate $1.1M · commercial $1.4M · consumer $1.3M · securities $82.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.99% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 70.8% | 48th |
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.