| Metric | The Goose River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.1 pts |
| Loan growth (YoY) | -3.3% | +5.6% | -8.9 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 10.8% | 11.9% | -1.0 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.4M | $147.3M | $129.1M | $19.7M | $1.1M | 1.20% | 4.34% | 1.28% |
| Q1 2026 | $179.2M | $153.6M | $128.6M | $19.5M | $446K | 1.00% | 4.21% | 1.67% |
| Q4 2025 | $178.4M | $152.5M | $128.1M | $19.7M | $2.3M | 1.31% | 4.16% | 2.00% |
| Q3 2025 | $178.7M | $153.6M | $132.3M | $18.9M | $1.6M | 1.18% | 4.10% | 2.35% |
| Q2 2025 | $171.8M | $143.2M | $133.5M | $18.2M | $1.0M | 1.12% | 4.06% | 2.76% |
| Q1 2025 | $180.6M | $154.3M | $130.5M | $17.7M | $385K | 0.85% | 3.98% | 2.41% |
| Q4 2024 | $182.2M | $156.5M | $134.5M | $17.3M | $2.4M | 1.38% | 4.01% | 0.99% |
| Q3 2024 | $178.8M | $148.1M | $132.1M | $17.0M | $1.8M | 1.39% | 4.07% | 0.27% |
Loan mix (Q2 2026): real estate $63.0M · commercial $22.5M · consumer $3.7M · securities $16.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Goose River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.9% | 70th |
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 | The Goose River Bank | 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 | The Goose River Bank | 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 | The Goose River Bank | 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 | The Goose River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.