| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -0.4% | +4.0% | -4.3 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $230.1M | $206.4M | $155.2M | $22.6M | $1.1M | 0.99% | 4.64% | 1.11% |
| Q1 2026 | $231.4M | $208.5M | $154.2M | $21.9M | $569K | 0.99% | 4.60% | 1.46% |
| Q4 2025 | $229.1M | $206.2M | $154.1M | $21.6M | $1.4M | 0.60% | 4.33% | 1.30% |
| Q3 2025 | $227.7M | $205.1M | $154.0M | $21.4M | $1.4M | 0.78% | 4.29% | 1.24% |
| Q2 2025 | $229.1M | $207.2M | $156.7M | $20.7M | $986K | 0.83% | 4.20% | 1.29% |
| Q1 2025 | $243.3M | $221.6M | $152.1M | $20.3M | $610K | 1.01% | 4.01% | 0.90% |
| Q4 2024 | $242.2M | $221.1M | $153.6M | $19.7M | $1.8M | 0.77% | 4.14% | 0.72% |
| Q3 2024 | $240.4M | $218.8M | $153.4M | $20.1M | $1.5M | 0.88% | 4.17% | 0.40% |
Loan mix (Q2 2026): real estate $137.8M · commercial $11.0M · consumer $6.9M · securities $44.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 62.9% | 79th |
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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