| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.0% | +0.1 pts |
| Deposit growth (YoY) | +7.7% | +2.5% | +5.2 pts |
| Loan growth (YoY) | -9.1% | +2.6% | -11.7 pts |
| ROA | 0.09% | 0.99% | -0.9 pts |
| ROE | 0.6% | 8.1% | -7.5 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.4M | $29.2M | $24.1M | $5.8M | $17K | 0.09% | 3.33% | 0.65% |
| Q1 2026 | $38.9M | $29.1M | $24.8M | $5.8M | $11K | 0.12% | 3.38% | 0.65% |
| Q4 2025 | $36.9M | $26.8M | $26.2M | $5.8M | $99K | 0.27% | 3.52% | 0.71% |
| Q3 2025 | $36.6M | $26.5M | $26.5M | $5.7M | $52K | 0.19% | 3.52% | 0.68% |
| Q2 2025 | $37.2M | $27.1M | $26.6M | $5.7M | $66K | 0.35% | 3.49% | 0.73% |
| Q1 2025 | $37.4M | $27.1M | $26.6M | $5.7M | $30K | 0.32% | 3.41% | 0.73% |
| Q4 2024 | $38.1M | $27.7M | $27.5M | $5.6M | $108K | 0.28% | 3.16% | 1.25% |
| Q3 2024 | $38.6M | $28.1M | $27.8M | $5.7M | $68K | 0.23% | 3.14% | 0.71% |
Loan mix (Q2 2026): real estate $24.3M · commercial $0 · consumer $103K · securities $3.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.99% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 8.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 70.8% | 87th |
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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