| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +4.4% | -5.9 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.5 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 0.61% | 1.24% | -0.6 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $267.4M | $247.5M | $161.0M | $19.2M | $831K | 0.61% | 4.91% | 0.13% |
| Q1 2026 | $271.5M | $252.1M | $153.3M | $18.7M | $438K | 0.64% | 4.80% | 0.06% |
| Q4 2025 | $273.0M | $253.0M | $152.2M | $19.2M | $1.9M | 0.69% | 4.77% | 0.12% |
| Q3 2025 | $274.2M | $254.3M | $152.4M | $18.9M | $1.5M | 0.73% | 4.75% | 0.17% |
| Q2 2025 | $271.5M | $254.1M | $151.4M | $16.7M | $1.0M | 0.76% | 4.72% | 0.22% |
| Q1 2025 | $268.1M | $249.7M | $154.1M | $17.3M | $518K | 0.77% | 4.63% | 0.17% |
| Q4 2024 | $271.0M | $253.4M | $158.1M | $16.7M | $603K | 0.22% | 4.80% | 0.19% |
| Q3 2024 | $284.5M | $264.1M | $163.8M | $19.5M | $1.7M | 0.79% | 4.91% | 0.18% |
Loan mix (Q2 2026): real estate $75.3M · commercial $13.7M · consumer $70.8M · securities $87.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 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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