No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $381.2M | $303.5M | $317.6M | $33.9M | $851K | 0.45% | 2.97% | 0.02% |
| Q1 2026 | $384.0M | $301.4M | $304.7M | $34.0M | $519K | 0.55% | 3.00% | 0.03% |
| Q4 2025 | $367.9M | $292.4M | $300.4M | $26.1M | $807K | 0.24% | 2.81% | 0.03% |
| Q3 2025 | $352.5M | $274.5M | $282.6M | $25.1M | $555K | 0.23% | 2.80% | 0.04% |
| Q2 2025 | $325.2M | $256.1M | $261.1M | $24.7M | $352K | 0.22% | 2.78% | 0.04% |
| Q1 2025 | $317.9M | $250.9M | $253.9M | $24.1M | $205K | 0.26% | 2.79% | 0.02% |
| Q4 2024 | $315.8M | $247.9M | $248.0M | $23.7M | $826K | 0.28% | 2.73% | 0.28% |
| Q3 2024 | $316.2M | $251.3M | $244.2M | $23.6M | $643K | 0.29% | 2.76% | 0.10% |
Loan mix (Q2 2026): real estate $245.4M · commercial $37.8M · consumer $36.7M · securities $37.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 62.9% | 80th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
2 branches in 1 county across 1 state (+0 vs 2024) · $256.1M branch deposits. Biggest market: Middlesex, NJ, ranked 21st with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 2 | $256.1M | 0.50% | 21st |
New Jersey: 80th with 0.06% · New York-Newark-Jersey City metro: 134th, 0.01% ·
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2