| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +4.4% | -8.3 pts |
| Deposit growth (YoY) | -4.9% | +4.0% | -8.8 pts |
| Loan growth (YoY) | -3.2% | +5.6% | -8.8 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 4.7% | 11.9% | -7.2 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.1M | $180.2M | $94.3M | $29.6M | $685K | 0.65% | 3.83% | 1.04% |
| Q1 2026 | $214.4M | $184.6M | $90.4M | $29.4M | $328K | 0.62% | 3.73% | 1.02% |
| Q4 2025 | $209.3M | $179.7M | $97.2M | $29.1M | $1.3M | 0.58% | 3.55% | 1.06% |
| Q3 2025 | $212.0M | $182.6M | $94.2M | $28.9M | $976K | 0.59% | 3.46% | 1.05% |
| Q2 2025 | $218.7M | $189.4M | $97.5M | $28.5M | $661K | 0.59% | 3.38% | 1.07% |
| Q1 2025 | $220.8M | $191.7M | $97.9M | $28.5M | $512K | 0.91% | 3.32% | 1.01% |
| Q4 2024 | $228.8M | $200.3M | $102.3M | $27.8M | $1.2M | 0.55% | 3.12% | 1.17% |
| Q3 2024 | $218.5M | $189.5M | $104.2M | $28.4M | $1.6M | 0.95% | 3.08% | 1.44% |
Loan mix (Q2 2026): real estate $73.3M · commercial $11.6M · consumer $9.1M · securities $86.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 62.9% | 89th |
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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