| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.4% | -5.8 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.7 pts |
| Loan growth (YoY) | -0.2% | +5.6% | -5.8 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.7M | $120.6M | $81.8M | $11.0M | $521K | 0.75% | 3.11% | 0.57% |
| Q1 2026 | $142.9M | $123.9M | $82.3M | $10.9M | $302K | 0.85% | 3.00% | 0.57% |
| Q4 2025 | $140.2M | $121.6M | $83.0M | $10.7M | $883K | 0.65% | 2.88% | 0.59% |
| Q3 2025 | $137.1M | $119.1M | $82.5M | $10.4M | $726K | 0.72% | 2.84% | 0.50% |
| Q2 2025 | $137.7M | $119.1M | $82.0M | $9.6M | $457K | 0.68% | 2.75% | 0.60% |
| Q1 2025 | $131.4M | $115.0M | $80.2M | $9.3M | $170K | 0.52% | 2.74% | 0.60% |
| Q4 2024 | $131.6M | $116.0M | $79.6M | $8.7M | $438K | 0.34% | 2.61% | 0.61% |
| Q3 2024 | $128.3M | $112.4M | $79.0M | $9.2M | $282K | 0.29% | 2.53% | 0.84% |
Loan mix (Q2 2026): real estate $66.1M · commercial $2.7M · consumer $6.0M · securities $43.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 62.9% | 72th |
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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