| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.0% | -2.5 pts |
| Deposit growth (YoY) | -1.1% | +2.5% | -3.6 pts |
| Loan growth (YoY) | -2.3% | +2.6% | -4.9 pts |
| ROA | 1.36% | 0.99% | +0.4 pts |
| ROE | 8.7% | 8.1% | +0.6 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.2M | $76.1M | $55.1M | $14.5M | $619K | 1.36% | 4.46% | 2.08% |
| Q1 2026 | $92.4M | $77.5M | $53.8M | $14.3M | $320K | 1.41% | 4.40% | 1.80% |
| Q4 2025 | $89.5M | $73.9M | $56.7M | $14.1M | $1.2M | 1.28% | 4.32% | 1.81% |
| Q3 2025 | $91.5M | $70.7M | $58.2M | $14.0M | $861K | 1.27% | 4.33% | 2.05% |
| Q2 2025 | $90.7M | $77.0M | $56.3M | $13.2M | $472K | 1.05% | 4.36% | 1.85% |
| Q1 2025 | $91.2M | $77.7M | $54.8M | $13.1M | $309K | 1.37% | 4.38% | 1.73% |
| Q4 2024 | $88.9M | $75.6M | $56.7M | $12.8M | $1.0M | 1.14% | 4.01% | 2.55% |
| Q3 2024 | $88.5M | $74.8M | $57.8M | $12.7M | $783K | 1.16% | 3.94% | 2.35% |
Loan mix (Q2 2026): real estate $40.6M · commercial $7.9M · consumer $2.2M · securities $24.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.99% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 8.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 70.8% | 37th |
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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