| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +4.4% | -12.8 pts |
| Deposit growth (YoY) | -8.2% | +4.0% | -12.1 pts |
| Loan growth (YoY) | -14.1% | +5.6% | -19.6 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.8M | $86.5M | $65.2M | $16.2M | $774K | 1.36% | 3.11% | 0.62% |
| Q1 2026 | $113.2M | $92.7M | $62.2M | $16.0M | $347K | 1.19% | 2.94% | 0.61% |
| Q4 2025 | $119.5M | $99.2M | $69.3M | $15.7M | $1.4M | 1.23% | 2.86% | 0.20% |
| Q3 2025 | $113.4M | $91.3M | $69.9M | $15.0M | $1.1M | 1.26% | 2.84% | 0.28% |
| Q2 2025 | $118.8M | $94.2M | $75.9M | $13.9M | $765K | 1.30% | 2.83% | 0.28% |
| Q1 2025 | $116.9M | $93.3M | $74.7M | $14.2M | $372K | 1.26% | 2.77% | 0.34% |
| Q4 2024 | $118.4M | $99.2M | $74.7M | $14.0M | $1.4M | 1.24% | 2.67% | 0.23% |
| Q3 2024 | $116.0M | $89.2M | $70.9M | $14.8M | $1.1M | 1.29% | 2.71% | 0.25% |
Loan mix (Q2 2026): real estate $31.8M · commercial $12.2M · consumer $364K · securities $35.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 28th |
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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