| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +4.4% | -7.2 pts |
| Deposit growth (YoY) | -6.5% | +4.0% | -10.5 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 1.18% | 1.24% | -0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.7M | $92.7M | $65.9M | $10.8M | $576K | 1.18% | 4.00% | 0.09% |
| Q1 2026 | $93.1M | $85.3M | $67.7M | $7.6M | $203K | 0.86% | 4.06% | 0.05% |
| Q4 2025 | $96.0M | $87.8M | $66.3M | $8.0M | $992K | 1.00% | 3.76% | 0.00% |
| Q3 2025 | $100.4M | $92.4M | $66.9M | $7.6M | $708K | 0.95% | 3.69% | 1.05% |
| Q2 2025 | $106.8M | $99.2M | $64.3M | $7.4M | $511K | 1.03% | 3.60% | 1.04% |
| Q1 2025 | $90.6M | $83.4M | $61.2M | $7.1M | $204K | 0.85% | 3.62% | 0.38% |
| Q4 2024 | $100.4M | $93.5M | $58.9M | $6.9M | $1.0M | 1.10% | 3.69% | 0.33% |
| Q3 2024 | $94.8M | $87.5M | $59.6M | $7.1M | $731K | 1.08% | 3.72% | 0.42% |
Loan mix (Q2 2026): real estate $39.1M · commercial $10.3M · consumer $4.8M · securities $15.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 62.9% | 66th |
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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