| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 5.0% | 11.9% | -6.8 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.7M | $135.2M | $121.5M | $46.4M | $1.2M | 1.31% | 4.05% | 0.63% |
| Q1 2026 | $172.9M | $126.2M | $121.2M | $45.6M | $441K | 1.02% | 3.95% | 0.70% |
| Q4 2025 | $173.8M | $127.7M | $115.5M | $45.2M | $2.0M | 1.16% | 4.32% | 0.73% |
| Q3 2025 | $186.0M | $140.3M | $118.2M | $44.4M | $1.5M | 1.10% | 4.01% | 0.98% |
| Q2 2025 | $173.6M | $128.3M | $118.7M | $43.9M | $930K | 1.07% | 4.08% | 0.77% |
| Q1 2025 | $174.2M | $129.4M | $119.2M | $43.3M | $379K | 0.88% | 3.99% | 0.68% |
| Q4 2024 | $171.8M | $127.7M | $118.5M | $42.9M | $1.9M | 1.07% | 4.19% | 0.70% |
| Q3 2024 | $182.3M | $138.2M | $118.6M | $42.5M | $1.6M | 1.21% | 4.15% | 0.67% |
Loan mix (Q2 2026): real estate $123.0M · commercial $143K · consumer $164K · securities $12.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 50th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
6 branches in 2 counties across 1 state (+0 vs 2025) · $135.2M branch deposits. Biggest market: Putnam, NY, ranked 9th with 4.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, NY | 5 | $132.0M | 4.05% | 9th |
| Westchester, NY | 1 | $3.2M | 0.00% | 45th |
New York: 213th with 0.00% · New York-Newark-Jersey City metro: 160th, 0.00% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6