| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.4% | +6.6 pts |
| Deposit growth (YoY) | -3.9% | +4.0% | -7.9 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | -0.38% | 1.24% | -1.6 pts |
| ROE | -2.0% | 11.9% | -13.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.3M | $95.9M | $80.6M | $22.8M | $-226K | -0.38% | 3.71% | 1.91% |
| Q1 2026 | $113.5M | $88.9M | $76.3M | $22.9M | $-54K | -0.19% | 3.58% | 2.54% |
| Q4 2025 | $118.5M | $94.0M | $74.4M | $23.0M | $-145K | -0.13% | 2.95% | 2.24% |
| Q3 2025 | $119.3M | $95.4M | $74.0M | $22.5M | $-152K | -0.18% | 2.77% | 2.11% |
| Q2 2025 | $108.4M | $99.8M | $73.6M | $7.1M | $-26K | -0.05% | 2.68% | 1.30% |
| Q1 2025 | $112.5M | $103.8M | $75.0M | $7.1M | $-138K | -0.48% | 2.33% | 1.16% |
| Q4 2024 | $116.2M | $107.7M | $76.3M | $7.0M | $-120K | -0.10% | 2.27% | 1.51% |
| Q3 2024 | $118.5M | $109.7M | $77.9M | $7.3M | $-66K | -0.08% | 2.23% | 1.14% |
Loan mix (Q2 2026): real estate $72.6M · commercial $4.2M · consumer $4.5M · securities $15.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.38% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.3% | 62.9% | 99th |
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% |
The full ratio pack is part of CharterBench Pro.