| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.2 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 0.44% | 1.24% | -0.8 pts |
| ROE | 4.0% | 11.9% | -7.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.6M | $101.1M | $42.8M | $12.1M | $248K | 0.44% | 4.00% | 0.20% |
| Q1 2026 | $112.6M | $98.9M | $42.4M | $12.3M | $121K | 0.44% | 4.09% | 0.04% |
| Q4 2025 | $107.6M | $91.9M | $43.6M | $12.5M | $519K | 0.48% | 4.03% | 0.16% |
| Q3 2025 | $109.1M | $90.7M | $43.4M | $12.3M | $431K | 0.53% | 4.04% | 0.08% |
| Q2 2025 | $107.3M | $94.3M | $43.9M | $11.4M | $358K | 0.66% | 4.04% | 0.09% |
| Q1 2025 | $110.3M | $97.9M | $44.5M | $10.9M | $163K | 0.59% | 4.00% | 0.10% |
| Q4 2024 | $109.0M | $97.5M | $45.0M | $10.0M | $1.2M | 1.09% | 3.68% | 0.09% |
| Q3 2024 | $109.9M | $94.4M | $45.1M | $11.4M | $1.0M | 1.20% | 3.56% | 0.00% |
Loan mix (Q2 2026): real estate $14.6M · commercial $9.0M · consumer $15.8M · securities $58.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 62.9% | 88th |
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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