| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.0% | -2.2 pts |
| Deposit growth (YoY) | +0.2% | +2.5% | -2.3 pts |
| Loan growth (YoY) | +0.7% | +2.6% | -1.9 pts |
| ROA | 0.71% | 0.99% | -0.3 pts |
| ROE | 6.8% | 8.1% | -1.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.4M | $65.7M | $31.8M | $7.4M | $250K | 0.71% | 3.83% | 0.31% |
| Q1 2026 | $68.2M | $60.7M | $31.5M | $7.2M | $68K | 0.40% | 3.94% | 0.61% |
| Q4 2025 | $69.4M | $61.9M | $31.4M | $7.3M | $20K | 0.03% | 3.57% | 0.70% |
| Q3 2025 | $76.5M | $68.9M | $32.1M | $7.3M | $180K | 0.33% | 3.44% | 0.72% |
| Q2 2025 | $72.8M | $65.6M | $31.6M | $6.9M | $69K | 0.19% | 3.44% | 0.59% |
| Q1 2025 | $69.9M | $62.8M | $32.3M | $6.8M | $32K | 0.18% | 3.53% | 0.48% |
| Q4 2024 | $75.0M | $68.2M | $33.1M | $6.5M | $168K | 0.21% | 2.97% | 0.50% |
| Q3 2024 | $80.1M | $72.8M | $34.9M | $7.0M | $287K | 0.47% | 2.91% | 0.26% |
Loan mix (Q2 2026): real estate $18.4M · commercial $748K · consumer $13.2M · securities $19.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.99% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 70.8% | 54th |
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.