| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.0% | -2.5 pts |
| Deposit growth (YoY) | -0.3% | +2.5% | -2.8 pts |
| Loan growth (YoY) | +10.4% | +2.6% | +7.8 pts |
| ROA | 0.80% | 0.99% | -0.2 pts |
| ROE | 6.0% | 8.1% | -2.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.0M | $52.1M | $40.8M | $7.7M | $226K | 0.80% | 4.57% | 0.06% |
| Q1 2026 | $54.4M | $46.6M | $39.1M | $7.6M | $94K | 0.68% | 4.55% | 0.21% |
| Q4 2025 | $56.1M | $48.3M | $38.7M | $7.5M | $488K | 0.84% | 4.34% | 0.00% |
| Q3 2025 | $61.6M | $53.9M | $37.8M | $7.4M | $404K | 0.92% | 4.20% | 0.01% |
| Q2 2025 | $59.7M | $52.3M | $36.9M | $7.2M | $259K | 0.90% | 4.11% | 0.07% |
| Q1 2025 | $56.7M | $49.5M | $35.7M | $7.0M | $129K | 0.91% | 3.95% | 0.11% |
| Q4 2024 | $56.3M | $47.4M | $35.6M | $6.8M | $258K | 0.45% | 3.45% | 0.17% |
| Q3 2024 | $57.5M | $48.5M | $35.4M | $6.8M | $184K | 0.43% | 3.31% | 0.00% |
Loan mix (Q2 2026): real estate $33.9M · commercial $1.2M · consumer $6.0M · securities $8.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 70.8% | 66th |
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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