No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.0M | $128.7M | $52.1M | $15.0M | $553K | 0.77% | 3.46% | 0.13% |
| Q1 2026 | $148.1M | $132.0M | $52.2M | $14.0M | $230K | 0.64% | 3.42% | 0.10% |
| Q4 2025 | $137.6M | $121.2M | $49.9M | $14.5M | $576K | 0.41% | 3.32% | 0.23% |
| Q3 2025 | $141.9M | $125.2M | $49.8M | $14.2M | $715K | 0.67% | 3.32% | 0.09% |
| Q2 2025 | $147.3M | $132.4M | $49.6M | $12.5M | $443K | 0.63% | 3.28% | 0.04% |
| Q1 2025 | $141.5M | $127.2M | $44.9M | $12.1M | $130K | 0.38% | 3.19% | 0.04% |
| Q4 2024 | $134.8M | $121.4M | $43.2M | $11.4M | $630K | 0.48% | 3.05% | 0.08% |
| Q3 2024 | $134.2M | $117.7M | $42.9M | $14.1M | $616K | 0.62% | 3.03% | 0.06% |
Loan mix (Q2 2026): real estate $36.0M · commercial $11.5M · consumer $4.4M · securities $75.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 62.9% | 80th |
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% |
The full ratio pack is part of CharterBench Pro.