| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.8% | +3.0% | -13.8 pts |
| Deposit growth (YoY) | -13.7% | +2.5% | -16.2 pts |
| Loan growth (YoY) | +6.1% | +2.6% | +3.5 pts |
| ROA | 1.28% | 0.99% | +0.3 pts |
| ROE | 12.5% | 8.1% | +4.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.4M | $50.9M | $20.8M | $6.1M | $371K | 1.28% | 3.74% | 0.45% |
| Q1 2026 | $58.5M | $52.2M | $20.3M | $5.8M | $185K | 1.28% | 3.60% | 0.47% |
| Q4 2025 | $57.5M | $51.1M | $21.0M | $5.9M | $537K | 0.92% | 3.44% | 0.48% |
| Q3 2025 | $55.9M | $49.8M | $20.4M | $5.7M | $444K | 1.02% | 3.36% | 0.39% |
| Q2 2025 | $64.4M | $58.9M | $19.6M | $5.2M | $285K | 0.97% | 3.23% | 0.34% |
| Q1 2025 | $57.1M | $51.8M | $20.3M | $5.0M | $142K | 1.01% | 3.24% | 0.41% |
| Q4 2024 | $55.5M | $50.5M | $20.8M | $4.7M | $390K | 0.71% | 3.13% | 0.71% |
| Q3 2024 | $54.6M | $49.1M | $20.8M | $5.2M | $323K | 0.79% | 3.15% | 0.76% |
Loan mix (Q2 2026): real estate $14.7M · commercial $2.2M · consumer $3.3M · securities $28.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.99% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 8.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 70.8% | 23th |
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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