| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +3.0% | -6.8 pts |
| Deposit growth (YoY) | -4.5% | +2.5% | -7.0 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | 0.86% | 0.99% | -0.1 pts |
| ROE | 9.5% | 8.1% | +1.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.4M | $21.2M | $4.0M | $2.1M | $98K | 0.86% | 4.01% | 0.19% |
| Q1 2026 | $23.0M | $20.9M | $4.0M | $2.0M | $50K | 0.89% | 4.01% | 0.00% |
| Q4 2025 | $22.2M | $20.1M | $4.1M | $2.0M | $141K | 0.61% | 4.04% | 0.00% |
| Q3 2025 | $23.1M | $20.8M | $4.1M | $2.2M | $173K | 1.00% | 4.05% | 0.00% |
| Q2 2025 | $24.3M | $22.2M | $4.0M | $2.0M | $118K | 1.02% | 4.08% | 0.11% |
| Q1 2025 | $23.7M | $21.6M | $3.9M | $2.0M | $49K | 0.87% | 4.02% | 0.16% |
| Q4 2024 | $21.5M | $19.5M | $3.6M | $1.9M | $109K | 0.50% | 3.93% | 0.03% |
| Q3 2024 | $21.9M | $19.7M | $4.1M | $2.2M | $120K | 0.73% | 3.89% | 0.02% |
Loan mix (Q2 2026): real estate $1.3M · commercial $1.8M · consumer $819K · securities $13.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.99% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 8.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 70.8% | 67th |
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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