| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.0% | -2.2 pts |
| Deposit growth (YoY) | +0.1% | +2.5% | -2.3 pts |
| Loan growth (YoY) | -10.7% | +2.6% | -13.3 pts |
| ROA | 1.46% | 0.99% | +0.5 pts |
| ROE | 7.2% | 8.1% | -0.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.8M | $72.9M | $37.2M | $19.0M | $675K | 1.46% | 3.70% | 0.00% |
| Q1 2026 | $92.0M | $71.5M | $38.7M | $18.7M | $320K | 1.39% | 3.66% | 0.00% |
| Q4 2025 | $92.3M | $71.4M | $40.4M | $19.0M | $1.3M | 1.38% | 3.66% | 0.00% |
| Q3 2025 | $94.5M | $74.0M | $38.9M | $18.6M | $1.0M | 1.45% | 3.62% | 0.00% |
| Q2 2025 | $93.0M | $72.8M | $41.7M | $18.3M | $686K | 1.47% | 3.60% | 0.00% |
| Q1 2025 | $92.0M | $72.2M | $42.1M | $17.9M | $304K | 1.30% | 3.50% | 0.00% |
| Q4 2024 | $95.7M | $75.7M | $42.2M | $17.8M | $1.2M | 1.36% | 3.65% | 0.00% |
| Q3 2024 | $95.6M | $75.5M | $46.0M | $18.0M | $1.0M | 1.47% | 3.64% | 0.00% |
Loan mix (Q2 2026): real estate $32.8M · commercial $3.2M · consumer $247K · securities $31.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.99% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 8.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 70.8% | 8th |
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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