| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | +0.1% | +2.5% | -2.4 pts |
| Loan growth (YoY) | +17.7% | +2.6% | +15.1 pts |
| ROA | 0.23% | 0.99% | -0.8 pts |
| ROE | 2.2% | 8.1% | -5.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.2M | $34.9M | $21.4M | $4.2M | $46K | 0.23% | 3.65% | 1.15% |
| Q1 2026 | $40.2M | $35.2M | $19.1M | $4.2M | $-14K | -0.14% | 3.54% | 1.21% |
| Q4 2025 | $38.8M | $32.7M | $18.3M | $4.2M | $327K | 0.82% | 3.45% | 1.31% |
| Q3 2025 | $40.3M | $33.7M | $18.1M | $4.1M | $290K | 0.97% | 3.50% | 0.68% |
| Q2 2025 | $41.4M | $34.8M | $18.2M | $3.9M | $107K | 0.54% | 3.35% | 0.18% |
| Q1 2025 | $40.0M | $35.4M | $15.9M | $3.8M | $79K | 0.81% | 3.31% | 0.00% |
| Q4 2024 | $37.9M | $32.4M | $16.8M | $3.6M | $26K | 0.07% | 2.86% | 0.00% |
| Q3 2024 | $38.2M | $32.5M | $16.7M | $3.7M | $-28K | -0.10% | 2.72% | 0.00% |
Loan mix (Q2 2026): real estate $6.7M · commercial $2.1M · consumer $628K · securities $11.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.99% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 8.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 70.8% | 85th |
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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