| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +3.0% | -5.3 pts |
| Deposit growth (YoY) | -3.3% | +2.5% | -5.8 pts |
| Loan growth (YoY) | -6.0% | +2.6% | -8.6 pts |
| ROA | 0.27% | 0.99% | -0.7 pts |
| ROE | 3.5% | 8.1% | -4.6 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.1M | $76.1M | $50.3M | $6.6M | $113K | 0.27% | 4.00% | 5.81% |
| Q1 2026 | $82.7M | $75.8M | $52.1M | $6.5M | $99K | 0.48% | 3.95% | 6.31% |
| Q4 2025 | $83.3M | $76.5M | $53.0M | $6.5M | $194K | 0.23% | 4.07% | 6.34% |
| Q3 2025 | $82.7M | $76.0M | $52.8M | $6.4M | $164K | 0.26% | 4.05% | 6.02% |
| Q2 2025 | $85.0M | $78.7M | $53.5M | $5.9M | $21K | 0.05% | 3.97% | 5.76% |
| Q1 2025 | $86.8M | $80.8M | $56.0M | $5.9M | $36K | 0.17% | 3.85% | 5.57% |
| Q4 2024 | $83.2M | $77.4M | $56.8M | $5.6M | $-328K | -0.37% | 3.79% | 6.13% |
| Q3 2024 | $88.1M | $81.5M | $57.1M | $6.4M | $-28K | -0.04% | 3.71% | 5.88% |
Loan mix (Q2 2026): real estate $37.7M · commercial $5.8M · consumer $4.1M · securities $19.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.99% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 8.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 70.8% | 84th |
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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