| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.2 pts |
| Loan growth (YoY) | -9.7% | +5.6% | -15.3 pts |
| ROA | 0.25% | 1.24% | -1.0 pts |
| ROE | 1.5% | 11.9% | -10.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.6M | $121.0M | $109.9M | $23.7M | $181K | 0.25% | 3.28% | 0.39% |
| Q1 2026 | $146.1M | $121.6M | $112.4M | $23.6M | $37K | 0.10% | 3.25% | 0.52% |
| Q4 2025 | $144.9M | $120.4M | $118.3M | $23.5M | $323K | 0.22% | 3.20% | 0.29% |
| Q3 2025 | $145.2M | $120.9M | $119.9M | $23.4M | $206K | 0.19% | 3.12% | 0.25% |
| Q2 2025 | $145.6M | $121.3M | $121.7M | $23.3M | $151K | 0.20% | 3.09% | 0.25% |
| Q1 2025 | $148.5M | $124.4M | $123.6M | $23.2M | $65K | 0.17% | 3.07% | 0.02% |
| Q4 2024 | $150.1M | $126.1M | $125.0M | $23.0M | $168K | 0.11% | 3.04% | 0.03% |
| Q3 2024 | $149.9M | $126.0M | $126.9M | $23.1M | $117K | 0.10% | 3.04% | 0.08% |
Loan mix (Q2 2026): real estate $109.7M · commercial $1.3M · consumer $253K · securities $5.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 62.9% | 94th |
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.