| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.0% | -2.7 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | -4.9% | +2.6% | -7.5 pts |
| ROA | 0.79% | 0.99% | -0.2 pts |
| ROE | 9.3% | 8.1% | +1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.9M | $34.6M | $22.8M | $3.2M | $146K | 0.79% | 5.13% | 0.16% |
| Q1 2026 | $36.9M | $33.7M | $23.9M | $3.1M | $75K | 0.81% | 5.12% | 0.17% |
| Q4 2025 | $36.8M | $33.6M | $24.5M | $3.1M | $172K | 0.46% | 4.98% | 0.02% |
| Q3 2025 | $35.9M | $32.8M | $25.1M | $3.1M | $179K | 0.64% | 4.91% | 0.01% |
| Q2 2025 | $37.8M | $34.7M | $24.0M | $3.0M | $89K | 0.47% | 4.79% | 0.17% |
| Q1 2025 | $37.6M | $34.5M | $24.4M | $3.0M | $59K | 0.63% | 4.78% | 0.00% |
| Q4 2024 | $37.3M | $34.3M | $24.5M | $2.9M | $177K | 0.48% | 4.66% | 0.29% |
| Q3 2024 | $36.2M | $33.2M | $24.8M | $2.9M | $189K | 0.69% | 4.61% | 0.04% |
Loan mix (Q2 2026): real estate $17.1M · commercial $1.0M · consumer $2.3M · securities $1.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 8.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 70.8% | 76th |
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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