| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +0.0% | +5.6% | -5.6 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.0M | $105.1M | $41.5M | $6.6M | $363K | 0.65% | 3.11% | 0.00% |
| Q1 2026 | $112.7M | $106.0M | $41.8M | $6.4M | $138K | 0.50% | 2.92% | 0.00% |
| Q4 2025 | $109.9M | $103.3M | $41.4M | $6.5M | $478K | 0.45% | 2.73% | 0.00% |
| Q3 2025 | $111.5M | $105.1M | $41.3M | $6.2M | $302K | 0.38% | 2.66% | 0.00% |
| Q2 2025 | $103.9M | $98.0M | $41.5M | $5.8M | $207K | 0.40% | 2.61% | 0.00% |
| Q1 2025 | $103.5M | $97.9M | $40.8M | $5.4M | $71K | 0.27% | 2.49% | 0.00% |
| Q4 2024 | $104.3M | $99.2M | $41.2M | $4.9M | $265K | 0.26% | 2.43% | 0.00% |
| Q3 2024 | $105.6M | $98.4M | $41.2M | $5.5M | $180K | 0.23% | 2.37% | 0.00% |
Loan mix (Q2 2026): real estate $36.8M · commercial $2.0M · consumer $2.8M · securities $47.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 62.9% | 69th |
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% |
The full ratio pack is part of CharterBench Pro.