| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.1 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 7.5% | 11.9% | -4.3 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.1M | $138.4M | $101.6M | $6.9M | $250K | 0.33% | 3.34% | 2.03% |
| Q1 2026 | $155.4M | $148.3M | $103.9M | $6.4M | $45K | 0.12% | 3.27% | 1.77% |
| Q4 2025 | $151.6M | $144.1M | $107.2M | $6.6M | $154K | 0.11% | 3.17% | 2.66% |
| Q3 2025 | $151.4M | $144.1M | $104.9M | $6.5M | $338K | 0.32% | 3.25% | 2.91% |
| Q2 2025 | $144.4M | $134.6M | $102.2M | $6.1M | $196K | 0.28% | 3.24% | 2.56% |
| Q1 2025 | $142.0M | $135.7M | $99.3M | $5.7M | $30K | 0.09% | 3.17% | 2.68% |
| Q4 2024 | $131.8M | $125.6M | $94.2M | $5.4M | $382K | 0.31% | 3.13% | 2.58% |
| Q3 2024 | $132.2M | $125.3M | $89.7M | $6.1M | $248K | 0.27% | 3.12% | 2.74% |
Loan mix (Q2 2026): real estate $80.5M · commercial $12.5M · consumer $9.6M · securities $27.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 62.9% | 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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