| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 1.92% | 1.24% | +0.7 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.2M | $121.4M | $100.3M | $33.8M | $1.5M | 1.92% | 5.19% | 0.71% |
| Q1 2026 | $156.2M | $120.8M | $96.6M | $32.5M | $687K | 1.76% | 5.08% | 0.42% |
| Q4 2025 | $155.8M | $120.2M | $90.7M | $32.2M | $3.1M | 1.95% | 5.33% | 0.05% |
| Q3 2025 | $158.1M | $121.0M | $95.5M | $32.2M | $2.5M | 2.10% | 5.30% | 0.00% |
| Q2 2025 | $160.4M | $122.4M | $95.8M | $31.3M | $1.7M | 2.08% | 5.22% | 0.01% |
| Q1 2025 | $161.6M | $123.0M | $96.7M | $31.0M | $833K | 2.08% | 5.17% | 0.27% |
| Q4 2024 | $159.2M | $115.9M | $98.5M | $30.2M | $1.7M | 1.08% | 5.16% | 0.27% |
| Q3 2024 | $162.1M | $118.7M | $96.1M | $35.9M | $4.3M | 3.58% | 5.11% | 0.30% |
Loan mix (Q2 2026): real estate $87.3M · commercial $8.3M · consumer $2.8M · securities $27.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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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