| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.0% | -2.7 pts |
| Deposit growth (YoY) | +4.4% | +2.5% | +2.0 pts |
| Loan growth (YoY) | +2.1% | +2.6% | -0.5 pts |
| ROA | 0.72% | 0.99% | -0.3 pts |
| ROE | 6.5% | 8.1% | -1.6 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.7M | $65.2M | $41.3M | $8.1M | $264K | 0.72% | 4.34% | 0.65% |
| Q1 2026 | $74.3M | $65.8M | $40.5M | $8.1M | $195K | 1.06% | 4.32% | 0.29% |
| Q4 2025 | $72.9M | $64.2M | $41.4M | $8.1M | $719K | 0.98% | 4.04% | 0.21% |
| Q3 2025 | $71.1M | $61.9M | $41.5M | $8.1M | $555K | 1.00% | 3.95% | 0.17% |
| Q2 2025 | $73.4M | $62.4M | $40.5M | $7.7M | $313K | 0.84% | 3.81% | 0.25% |
| Q1 2025 | $76.0M | $64.3M | $40.6M | $7.4M | $132K | 0.70% | 3.64% | 0.40% |
| Q4 2024 | $74.5M | $63.9M | $40.3M | $7.0M | $418K | 0.56% | 3.38% | 0.38% |
| Q3 2024 | $75.5M | $63.8M | $39.9M | $7.4M | $291K | 0.52% | 3.31% | 0.55% |
Loan mix (Q2 2026): real estate $37.1M · commercial $941K · consumer $2.4M · securities $25.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.99% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 70.8% | 59th |
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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