| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +3.0% | -2.0 pts |
| Deposit growth (YoY) | +0.1% | +2.5% | -2.4 pts |
| Loan growth (YoY) | +4.3% | +2.6% | +1.6 pts |
| ROA | 1.19% | 0.99% | +0.2 pts |
| ROE | 6.6% | 8.1% | -1.4 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.9M | $39.9M | $22.3M | $8.7M | $289K | 1.19% | 2.76% | 0.16% |
| Q1 2026 | $48.8M | $39.7M | $20.1M | $8.7M | $104K | 0.86% | 2.64% | 0.24% |
| Q4 2025 | $48.0M | $39.0M | $20.2M | $8.7M | $313K | 0.65% | 2.66% | 0.18% |
| Q3 2025 | $48.9M | $40.0M | $20.3M | $8.6M | $257K | 0.71% | 2.65% | 0.18% |
| Q2 2025 | $48.5M | $39.9M | $21.4M | $8.3M | $163K | 0.68% | 2.62% | 0.19% |
| Q1 2025 | $48.2M | $39.8M | $18.0M | $8.2M | $86K | 0.73% | 2.52% | 0.12% |
| Q4 2024 | $46.6M | $38.5M | $17.5M | $7.8M | $275K | 0.58% | 2.33% | 0.13% |
| Q3 2024 | $47.5M | $38.6M | $17.7M | $8.6M | $224K | 0.62% | 2.31% | 0.15% |
Loan mix (Q2 2026): real estate $7.2M · commercial $5.7M · consumer $432K · securities $21.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.99% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 70.8% | 36th |
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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