| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.0% | +0.3 pts |
| Deposit growth (YoY) | +3.3% | +2.5% | +0.8 pts |
| Loan growth (YoY) | +0.8% | +2.6% | -1.8 pts |
| ROA | 0.55% | 0.99% | -0.4 pts |
| ROE | 5.1% | 8.1% | -2.9 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $66.3M | $58.7M | $20.9M | $7.3M | $188K | 0.55% | 2.98% | 0.04% |
| Q1 2026 | $71.4M | $63.7M | $22.7M | $7.4M | $91K | 0.52% | 2.98% | 0.04% |
| Q4 2025 | $67.7M | $60.1M | $22.7M | $7.4M | $230K | 0.35% | 2.91% | 0.04% |
| Q3 2025 | $64.4M | $56.8M | $22.2M | $7.3M | $189K | 0.38% | 2.92% | 0.00% |
| Q2 2025 | $64.2M | $56.9M | $20.8M | $7.0M | $101K | 0.31% | 2.94% | 0.00% |
| Q1 2025 | $66.5M | $59.3M | $23.0M | $7.0M | $66K | 0.39% | 2.92% | 0.00% |
| Q4 2024 | $67.3M | $57.2M | $25.0M | $6.7M | $155K | 0.21% | 2.49% | 0.00% |
| Q3 2024 | $75.2M | $54.9M | $25.4M | $7.1M | $153K | 0.27% | 2.48% | 0.00% |
Loan mix (Q2 2026): real estate $13.8M · commercial $1.7M · consumer $802K · securities $38.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.99% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 70.8% | 71th |
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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