| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 11.1% | 11.9% | -0.7 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $200.2M | $176.9M | $112.1M | $22.1M | $1.2M | 1.21% | 4.21% | 0.49% |
| Q1 2026 | $203.2M | $179.7M | $108.9M | $22.1M | $562K | 1.11% | 4.05% | 0.35% |
| Q4 2025 | $202.8M | $179.8M | $109.1M | $21.7M | $2.0M | 1.02% | 3.86% | 0.38% |
| Q3 2025 | $200.3M | $177.6M | $107.5M | $21.3M | $1.4M | 0.96% | 3.80% | 0.44% |
| Q2 2025 | $201.2M | $179.6M | $107.2M | $20.3M | $939K | 0.95% | 3.75% | 0.46% |
| Q1 2025 | $197.2M | $176.2M | $105.7M | $19.9M | $423K | 0.87% | 3.63% | 0.19% |
| Q4 2024 | $193.1M | $173.2M | $108.9M | $19.0M | $1.7M | 0.90% | 3.66% | 0.24% |
| Q3 2024 | $188.9M | $168.4M | $108.9M | $19.3M | $1.3M | 0.88% | 3.62% | 0.25% |
Loan mix (Q2 2026): real estate $101.4M · commercial $5.2M · consumer $5.4M · securities $54.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 57th |
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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