| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.0% | -1.4 pts |
| Deposit growth (YoY) | +0.5% | +2.5% | -2.0 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | -0.02% | 0.99% | -1.0 pts |
| ROE | -0.7% | 8.1% | -8.7 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.3M | $83.1M | $34.2M | $3.1M | $-10K | -0.02% | 2.66% | 0.43% |
| Q1 2026 | $84.9M | $82.0M | $34.3M | $2.8M | $-15K | -0.07% | 2.64% | 0.44% |
| Q4 2025 | $85.8M | $82.4M | $34.9M | $3.2M | $151K | 0.18% | 2.57% | 0.43% |
| Q3 2025 | $84.5M | $81.6M | $35.5M | $2.7M | $84K | 0.13% | 2.52% | 0.44% |
| Q2 2025 | $85.0M | $82.6M | $34.9M | $2.2M | $-19K | -0.05% | 2.41% | 0.60% |
| Q1 2025 | $82.8M | $81.1M | $33.1M | $1.5M | $-63K | -0.31% | 2.35% | 0.53% |
| Q4 2024 | $80.6M | $79.6M | $32.6M | $804K | $68K | 0.08% | 2.30% | 0.46% |
| Q3 2024 | $82.6M | $77.8M | $33.4M | $2.2M | $33K | 0.05% | 2.26% | 0.00% |
Loan mix (Q2 2026): real estate $26.4M · commercial $2.1M · consumer $3.9M · securities $34.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.99% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 8.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.8% | 70.8% | 88th |
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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