| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +4.4% | -9.3 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.3 pts |
| Loan growth (YoY) | -2.4% | +5.6% | -8.0 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 17.9% | 11.9% | +6.0 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $283.2M | $256.0M | $143.0M | $23.7M | $2.1M | 1.46% | 3.93% | 0.00% |
| Q1 2026 | $291.5M | $265.3M | $147.5M | $23.9M | $1.0M | 1.41% | 3.83% | 0.00% |
| Q4 2025 | $295.0M | $270.7M | $145.2M | $23.3M | $3.6M | 1.19% | 3.62% | 0.01% |
| Q3 2025 | $301.3M | $260.4M | $140.3M | $23.9M | $2.3M | 1.04% | 3.55% | 0.00% |
| Q2 2025 | $297.8M | $256.9M | $146.5M | $19.4M | $1.5M | 0.98% | 3.54% | 0.05% |
| Q1 2025 | $298.0M | $266.8M | $147.9M | $18.9M | $543K | 0.72% | 3.45% | 0.01% |
| Q4 2024 | $302.7M | $268.4M | $147.5M | $16.4M | $2.7M | 0.85% | 3.11% | 0.02% |
| Q3 2024 | $309.7M | $256.5M | $143.8M | $20.5M | $1.4M | 0.61% | 3.05% | 0.05% |
Loan mix (Q2 2026): real estate $110.3M · commercial $14.7M · consumer $6.9M · securities $121.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 62.9% | 63th |
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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