| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.0% | +2.7 pts |
| Deposit growth (YoY) | +5.8% | +2.5% | +3.3 pts |
| Loan growth (YoY) | -7.2% | +2.6% | -9.8 pts |
| ROA | 0.90% | 0.99% | -0.1 pts |
| ROE | 7.0% | 8.1% | -1.1 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.3M | $49.7M | $30.1M | $7.4M | $256K | 0.90% | 3.11% | 0.76% |
| Q1 2026 | $58.2M | $50.5M | $31.5M | $7.4M | $138K | 0.97% | 3.13% | 0.74% |
| Q4 2025 | $55.4M | $47.9M | $31.7M | $7.3M | $476K | 0.88% | 3.15% | 0.87% |
| Q3 2025 | $53.6M | $46.0M | $31.9M | $7.3M | $358K | 0.89% | 3.08% | 0.80% |
| Q2 2025 | $54.2M | $47.0M | $32.4M | $7.0M | $234K | 0.87% | 3.06% | 0.00% |
| Q1 2025 | $55.0M | $47.8M | $32.4M | $7.0M | $121K | 0.90% | 3.06% | 0.00% |
| Q4 2024 | $52.4M | $45.5M | $31.8M | $6.7M | $492K | 0.93% | 3.15% | 0.00% |
| Q3 2024 | $51.4M | $44.3M | $32.5M | $6.9M | $384K | 0.97% | 3.22% | 0.00% |
Loan mix (Q2 2026): real estate $26.6M · commercial $773K · consumer $1.7M · securities $11.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.99% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 8.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 70.8% | 40th |
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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