| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -3.3% | +4.0% | -7.3 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 2.34% | 1.24% | +1.1 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.5M | $114.1M | $42.2M | $22.3M | $1.6M | 2.34% | 3.75% | 0.33% |
| Q1 2026 | $138.1M | $115.4M | $53.7M | $21.6M | $847K | 2.46% | 3.94% | 0.33% |
| Q4 2025 | $137.7M | $115.7M | $58.4M | $20.9M | $3.3M | 2.41% | 3.80% | 0.00% |
| Q3 2025 | $139.6M | $117.6M | $43.1M | $20.9M | $2.6M | 2.49% | 3.78% | 0.00% |
| Q2 2025 | $139.3M | $118.1M | $43.3M | $20.2M | $1.7M | 2.46% | 3.84% | 0.00% |
| Q1 2025 | $137.3M | $116.8M | $50.4M | $19.4M | $821K | 2.41% | 3.89% | 0.02% |
| Q4 2024 | $135.4M | $115.6M | $48.8M | $18.7M | $3.3M | 2.45% | 3.86% | 0.03% |
| Q3 2024 | $135.1M | $114.9M | $38.9M | $19.2M | $2.7M | 2.59% | 3.91% | 0.03% |
Loan mix (Q2 2026): real estate $12.6M · commercial $4.7M · consumer $1.6M · securities $50.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.7% | 62.9% | 1th |
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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