| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | -5.4% | +5.6% | -11.0 pts |
| ROA | 0.71% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $309.7M | $276.8M | $168.6M | $29.3M | $1.1M | 0.71% | 3.91% | 0.98% |
| Q1 2026 | $316.6M | $285.7M | $170.3M | $29.1M | $441K | 0.56% | 3.82% | 0.94% |
| Q4 2025 | $309.3M | $278.3M | $171.4M | $29.1M | $-5.8M | -1.85% | 3.62% | 1.00% |
| Q3 2025 | $328.5M | $298.4M | $175.9M | $28.0M | $-6.4M | -2.71% | 3.49% | 0.89% |
| Q2 2025 | $308.9M | $279.0M | $178.3M | $26.3M | $729K | 0.47% | 3.46% | 0.08% |
| Q1 2025 | $319.3M | $289.1M | $176.1M | $26.3M | $307K | 0.40% | 3.37% | 0.08% |
| Q4 2024 | $293.6M | $264.6M | $176.4M | $24.8M | $1.6M | 0.54% | 3.36% | 0.11% |
| Q3 2024 | $306.0M | $274.4M | $178.0M | $27.3M | $1.3M | 0.55% | 3.28% | 0.08% |
Loan mix (Q2 2026): real estate $147.9M · commercial $17.4M · consumer $3.1M · securities $96.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 62.9% | 82th |
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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