| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.0% | -2.6 pts |
| Deposit growth (YoY) | -0.1% | +2.5% | -2.6 pts |
| Loan growth (YoY) | -4.8% | +2.6% | -7.4 pts |
| ROA | 0.57% | 0.99% | -0.4 pts |
| ROE | 6.9% | 8.1% | -1.1 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.0M | $31.1M | $13.8M | $2.9M | $98K | 0.57% | 3.55% | 0.00% |
| Q1 2026 | $34.5M | $31.6M | $13.6M | $2.8M | $51K | 0.59% | 3.38% | 0.01% |
| Q4 2025 | $34.5M | $31.6M | $13.8M | $2.8M | $151K | 0.45% | 3.59% | 0.02% |
| Q3 2025 | $34.5M | $31.6M | $14.2M | $2.8M | $151K | 0.60% | 3.58% | 0.02% |
| Q2 2025 | $33.9M | $31.1M | $14.5M | $2.7M | $85K | 0.51% | 3.50% | 0.02% |
| Q1 2025 | $33.3M | $30.7M | $14.9M | $2.6M | $46K | 0.56% | 3.46% | 0.03% |
| Q4 2024 | $32.1M | $29.7M | $15.0M | $2.4M | $83K | 0.27% | 3.48% | 0.03% |
| Q3 2024 | $31.1M | $28.6M | $15.4M | $2.5M | $54K | 0.23% | 3.46% | 0.04% |
Loan mix (Q2 2026): real estate $12.5M · commercial $162K · consumer $1.2M · securities $12.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.99% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 8.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 70.8% | 62th |
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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