| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.8 pts |
| Loan growth (YoY) | -2.6% | +5.6% | -8.2 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $194.8M | $147.2M | $19.9M | $45.9M | $2.2M | 2.17% | 3.78% | 0.03% |
| Q1 2026 | $199.6M | $152.1M | $19.6M | $45.4M | $1.2M | 2.47% | 3.62% | 0.02% |
| Q4 2025 | $203.1M | $156.6M | $21.0M | $44.5M | $3.4M | 1.68% | 3.67% | 0.02% |
| Q3 2025 | $211.8M | $165.1M | $21.3M | $44.8M | $2.8M | 1.88% | 3.69% | 0.04% |
| Q2 2025 | $196.5M | $151.5M | $20.4M | $43.4M | $1.9M | 1.98% | 3.75% | 0.00% |
| Q1 2025 | $199.0M | $155.2M | $19.5M | $42.1M | $883K | 1.81% | 3.53% | 0.01% |
| Q4 2024 | $190.4M | $148.5M | $21.4M | $40.6M | $3.1M | 1.59% | 3.34% | 0.04% |
| Q3 2024 | $187.0M | $143.6M | $19.4M | $41.8M | $2.7M | 1.85% | 3.32% | 0.04% |
Loan mix (Q2 2026): real estate $12.2M · commercial $1.7M · consumer $237K · securities $87.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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.