| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.4% | -6.6 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.7 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.8 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 3.3% | 11.9% | -8.6 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.9M | $193.5M | $146.3M | $27.6M | $454K | 0.40% | 2.29% | 0.71% |
| Q1 2026 | $236.2M | $204.5M | $140.7M | $26.6M | $422K | 0.73% | 2.52% | 0.90% |
| Q4 2025 | $227.8M | $197.1M | $135.5M | $28.1M | $2.0M | 0.92% | 3.02% | 1.12% |
| Q3 2025 | $233.0M | $202.4M | $141.6M | $28.2M | $1.2M | 0.72% | 2.90% | 1.39% |
| Q2 2025 | $230.0M | $199.0M | $139.6M | $27.4M | $937K | 0.89% | 3.00% | 1.52% |
| Q1 2025 | $202.6M | $170.5M | $116.0M | $26.4M | $385K | 0.76% | 2.88% | 2.08% |
| Q4 2024 | $201.4M | $171.3M | $116.3M | $27.3M | $4.4M | 2.11% | 3.17% | 2.48% |
| Q3 2024 | $200.7M | $170.6M | $111.5M | $26.7M | $2.7M | 1.69% | 3.26% | 1.38% |
Loan mix (Q2 2026): real estate $73.0M · commercial $75.1M · consumer $319K · securities $49.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 62.9% | 97th |
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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