| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +4.4% | -9.2 pts |
| Deposit growth (YoY) | -4.6% | +4.0% | -8.6 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.5 pts |
| ROA | 0.22% | 1.24% | -1.0 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $455.7M | $406.3M | $290.8M | $28.2M | $497K | 0.22% | 2.95% | 0.38% |
| Q1 2026 | $461.9M | $413.2M | $292.9M | $27.4M | $174K | 0.15% | 2.88% | 0.37% |
| Q4 2025 | $457.8M | $395.5M | $289.9M | $28.2M | $109K | 0.02% | 2.64% | 0.39% |
| Q3 2025 | $458.3M | $400.5M | $283.4M | $26.6M | $-211K | -0.06% | 2.57% | 0.49% |
| Q2 2025 | $478.8M | $426.0M | $279.3M | $24.7M | $-335K | -0.14% | 2.44% | 0.46% |
| Q1 2025 | $470.2M | $417.7M | $269.8M | $24.3M | $-256K | -0.22% | 2.33% | 0.38% |
| Q4 2024 | $471.3M | $414.2M | $270.4M | $23.6M | $-678K | -0.15% | 2.16% | 0.38% |
| Q3 2024 | $464.9M | $403.9M | $262.7M | $27.7M | $-383K | -0.11% | 2.13% | 0.38% |
Loan mix (Q2 2026): real estate $264.2M · commercial $12.8M · consumer $3.4M · securities $113.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 62.9% | 95th |
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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