| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +4.4% | -9.7 pts |
| Deposit growth (YoY) | -7.9% | +4.0% | -11.9 pts |
| Loan growth (YoY) | -3.8% | +5.6% | -9.4 pts |
| ROA | 0.52% | 1.24% | -0.7 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.5M | $234.3M | $138.6M | $16.1M | $669K | 0.52% | 3.72% | 0.54% |
| Q1 2026 | $256.0M | $240.7M | $137.6M | $15.1M | $284K | 0.44% | 3.69% | 0.50% |
| Q4 2025 | $259.0M | $243.1M | $141.1M | $15.7M | $1.8M | 0.68% | 3.69% | 0.43% |
| Q3 2025 | $258.2M | $244.2M | $145.1M | $13.8M | $1.3M | 0.68% | 3.66% | 0.51% |
| Q2 2025 | $264.8M | $254.4M | $144.1M | $10.2M | $813K | 0.63% | 3.63% | 0.65% |
| Q1 2025 | $256.2M | $244.5M | $137.4M | $11.5M | $270K | 0.42% | 3.55% | 0.29% |
| Q4 2024 | $254.8M | $235.9M | $137.1M | $10.7M | $-647K | -0.24% | 3.29% | 0.32% |
| Q3 2024 | $255.9M | $234.0M | $136.1M | $13.7M | $-1.2M | -0.62% | 3.24% | 0.48% |
Loan mix (Q2 2026): real estate $134.3M · commercial $3.3M · consumer $1.9M · securities $82.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 62.9% | 90th |
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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