| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.4% | -5.1 pts |
| Deposit growth (YoY) | -3.5% | +4.0% | -7.5 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 0.37% | 1.24% | -0.9 pts |
| ROE | 3.0% | 11.9% | -8.9 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 | $383.2M | $323.8M | $226.2M | $46.8M | $702K | 0.37% | 4.69% | 1.13% |
| Q1 2026 | $381.7M | $329.1M | $215.4M | $47.1M | $570K | 0.60% | 4.68% | 1.16% |
| Q4 2025 | $380.4M | $328.2M | $211.1M | $47.1M | $856K | 0.22% | 4.51% | 1.23% |
| Q3 2025 | $390.1M | $337.9M | $210.7M | $46.8M | $557K | 0.19% | 4.39% | 1.41% |
| Q2 2025 | $386.1M | $335.7M | $222.1M | $46.5M | $479K | 0.25% | 4.35% | 1.34% |
| Q1 2025 | $385.6M | $335.4M | $226.8M | $46.2M | $419K | 0.44% | 4.31% | 1.02% |
| Q4 2024 | $382.5M | $332.6M | $225.1M | $45.2M | $2.6M | 0.70% | 4.46% | 1.34% |
| Q3 2024 | $351.0M | $301.3M | $227.2M | $45.5M | $2.5M | 0.92% | 4.51% | 1.49% |
Loan mix (Q2 2026): real estate $201.7M · commercial $26.1M · consumer $1.0M · securities $109.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 62.9% | 94th |
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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