| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -0.6% | +5.6% | -6.2 pts |
| ROA | 0.36% | 1.24% | -0.9 pts |
| ROE | 4.7% | 11.9% | -7.2 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $313.9M | $259.4M | $203.8M | $23.6M | $553K | 0.36% | 2.70% | 2.27% |
| Q1 2026 | $303.4M | $248.6M | $204.4M | $24.1M | $263K | 0.35% | 2.62% | 0.64% |
| Q4 2025 | $295.7M | $241.3M | $201.6M | $23.7M | $871K | 0.30% | 2.70% | 0.51% |
| Q3 2025 | $290.8M | $236.5M | $205.5M | $23.4M | $486K | 0.22% | 2.67% | 0.31% |
| Q2 2025 | $299.5M | $246.6M | $205.0M | $22.1M | $120K | 0.08% | 2.63% | 0.29% |
| Q1 2025 | $290.9M | $238.1M | $211.4M | $22.0M | $221K | 0.30% | 2.62% | 0.24% |
| Q4 2024 | $291.9M | $234.1M | $214.6M | $21.1M | $805K | 0.27% | 2.56% | 0.00% |
| Q3 2024 | $311.5M | $246.9M | $218.7M | $22.2M | $521K | 0.23% | 2.52% | 0.04% |
Loan mix (Q2 2026): real estate $182.2M · commercial $5.2M · consumer $1.3M · securities $56.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 62.9% | 89th |
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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