| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.4% | +8.1 pts |
| Deposit growth (YoY) | +20.6% | +4.0% | +16.7 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.1 pts |
| ROA | 0.07% | 1.24% | -1.2 pts |
| ROE | 0.6% | 11.9% | -11.2 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $294.8M | $208.8M | $230.3M | $28.8M | $93K | 0.07% | 2.29% | 0.00% |
| Q1 2026 | $285.2M | $199.4M | $224.3M | $28.8M | $11K | 0.02% | 2.19% | 0.00% |
| Q4 2025 | $276.6M | $190.6M | $221.1M | $28.9M | $410K | 0.15% | 1.84% | 0.00% |
| Q3 2025 | $277.0M | $184.6M | $217.5M | $28.2M | $-205K | -0.10% | 1.76% | 0.00% |
| Q2 2025 | $262.3M | $173.1M | $212.0M | $27.7M | $-236K | -0.18% | 1.78% | 0.00% |
| Q1 2025 | $268.7M | $175.7M | $219.7M | $26.6M | $-438K | -0.66% | 1.49% | 0.00% |
| Q4 2024 | $263.5M | $170.6M | $217.0M | $26.5M | $-2.9M | -0.99% | 1.35% | 0.02% |
| Q3 2024 | $286.2M | $187.3M | $221.0M | $27.9M | $-2.3M | -1.01% | 1.34% | 0.07% |
Loan mix (Q2 2026): real estate $224.6M · commercial $8.0M · consumer $12K · securities $22.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 62.9% | 97th |
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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