| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.4% | -8.4 pts |
| Deposit growth (YoY) | -5.7% | +4.0% | -9.7 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 6.5% | 11.9% | -5.4 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $358.0M | $317.6M | $137.4M | $37.1M | $1.2M | 0.67% | 3.29% | 0.16% |
| Q1 2026 | $354.9M | $315.7M | $134.8M | $36.1M | $772K | 0.86% | 3.14% | 0.22% |
| Q4 2025 | $361.8M | $321.8M | $132.1M | $36.8M | $2.0M | 0.55% | 2.89% | 0.20% |
| Q3 2025 | $373.9M | $334.6M | $132.6M | $35.5M | $1.6M | 0.58% | 2.83% | 0.04% |
| Q2 2025 | $373.2M | $336.8M | $135.6M | $32.8M | $1.2M | 0.64% | 2.84% | 0.12% |
| Q1 2025 | $369.7M | $334.0M | $128.1M | $32.4M | $562K | 0.62% | 2.73% | 0.12% |
| Q4 2024 | $351.4M | $316.9M | $118.1M | $31.1M | $2.6M | 0.72% | 2.60% | 0.07% |
| Q3 2024 | $358.2M | $319.5M | $115.7M | $34.7M | $2.5M | 0.89% | 2.54% | 0.07% |
Loan mix (Q2 2026): real estate $125.3M · commercial $6.1M · consumer $7.4M · securities $176.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 62.9% | 90th |
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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