| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +3.0% | -4.8 pts |
| Deposit growth (YoY) | -3.2% | +2.5% | -5.7 pts |
| Loan growth (YoY) | -3.6% | +2.6% | -6.2 pts |
| ROA | 1.22% | 0.99% | +0.2 pts |
| ROE | 9.6% | 8.1% | +1.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.9M | $73.8M | $36.0M | $11.0M | $518K | 1.22% | 3.89% | 0.63% |
| Q1 2026 | $86.2M | $75.4M | $36.9M | $10.7M | $279K | 1.31% | 3.95% | 0.11% |
| Q4 2025 | $84.1M | $73.5M | $37.8M | $10.6M | $833K | 0.98% | 3.72% | 0.93% |
| Q3 2025 | $85.4M | $74.6M | $37.1M | $10.5M | $719K | 1.12% | 3.71% | 0.42% |
| Q2 2025 | $86.4M | $76.2M | $37.3M | $10.0M | $518K | 1.21% | 3.66% | 0.24% |
| Q1 2025 | $86.4M | $76.6M | $37.3M | $9.7M | $243K | 1.15% | 3.53% | 0.38% |
| Q4 2024 | $83.4M | $74.1M | $37.9M | $9.2M | $843K | 0.99% | 3.69% | 0.27% |
| Q3 2024 | $85.8M | $76.2M | $38.0M | $9.5M | $753K | 1.18% | 3.72% | 0.31% |
Loan mix (Q2 2026): real estate $31.8M · commercial $2.3M · consumer $2.3M · securities $29.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.99% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 8.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 70.8% | 41th |
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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