| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 12.1% | 11.9% | +0.2 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.1M | $134.8M | $72.7M | $11.1M | $667K | 0.85% | 3.01% | 0.04% |
| Q1 2026 | $157.1M | $136.7M | $71.5M | $11.1M | $212K | 0.54% | 2.89% | 0.06% |
| Q4 2025 | $154.6M | $132.3M | $70.2M | $11.0M | $821K | 0.55% | 2.81% | 0.46% |
| Q3 2025 | $151.0M | $135.4M | $70.4M | $10.9M | $606K | 0.55% | 2.78% | 0.13% |
| Q2 2025 | $149.5M | $135.6M | $70.9M | $9.9M | $295K | 0.40% | 2.70% | 0.12% |
| Q1 2025 | $147.9M | $137.0M | $70.0M | $9.3M | $8K | 0.02% | 2.57% | 0.13% |
| Q4 2024 | $142.6M | $130.4M | $69.0M | $8.8M | $787K | 0.54% | 2.70% | 0.06% |
| Q3 2024 | $147.2M | $131.7M | $71.7M | $10.2M | $636K | 0.58% | 2.78% | 0.21% |
Loan mix (Q2 2026): real estate $69.5M · commercial $1.0M · consumer $3.3M · securities $79.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 62.9% | 59th |
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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