| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.6 pts |
| Deposit growth (YoY) | -4.5% | +4.0% | -8.4 pts |
| Loan growth (YoY) | -1.8% | +5.6% | -7.3 pts |
| ROA | 0.43% | 1.24% | -0.8 pts |
| ROE | 6.4% | 11.9% | -5.5 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $281.8M | $248.2M | $148.4M | $20.0M | $617K | 0.43% | 3.04% | 1.63% |
| Q1 2026 | $288.0M | $265.5M | $150.3M | $19.0M | $282K | 0.39% | 3.04% | 1.61% |
| Q4 2025 | $286.7M | $252.1M | $153.1M | $19.2M | $458K | 0.16% | 2.66% | 1.64% |
| Q3 2025 | $292.4M | $251.3M | $154.0M | $18.2M | $314K | 0.14% | 2.62% | 1.49% |
| Q2 2025 | $285.3M | $259.8M | $151.1M | $16.8M | $210K | 0.15% | 2.58% | 0.56% |
| Q1 2025 | $291.1M | $270.9M | $147.9M | $16.6M | $103K | 0.14% | 2.49% | 0.28% |
| Q4 2024 | $289.9M | $230.8M | $147.7M | $16.6M | $841K | 0.29% | 2.59% | 0.27% |
| Q3 2024 | $289.6M | $231.6M | $148.1M | $18.1M | $655K | 0.31% | 2.61% | 0.45% |
Loan mix (Q2 2026): real estate $118.3M · commercial $23.3M · consumer $3.1M · securities $102.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 62.9% | 91th |
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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