| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.4% | -8.5 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.2 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.3M | $120.3M | $92.5M | $22.6M | $724K | 1.01% | 3.58% | 1.24% |
| Q1 2026 | $144.3M | $119.0M | $87.5M | $22.0M | $296K | 0.83% | 3.39% | 1.26% |
| Q4 2025 | $141.0M | $115.7M | $84.7M | $21.6M | $473K | 0.32% | 3.01% | 0.47% |
| Q3 2025 | $144.9M | $116.0M | $81.9M | $21.2M | $375K | 0.33% | 2.73% | 0.86% |
| Q2 2025 | $152.6M | $113.4M | $85.6M | $20.3M | $184K | 0.24% | 2.62% | 0.89% |
| Q1 2025 | $156.3M | $112.8M | $83.3M | $19.5M | $17K | 0.04% | 2.48% | 0.83% |
| Q4 2024 | $149.5M | $116.8M | $81.4M | $18.8M | $370K | 0.24% | 2.10% | 0.91% |
| Q3 2024 | $152.3M | $118.9M | $78.1M | $19.3M | $396K | 0.35% | 2.02% | 0.90% |
Loan mix (Q2 2026): real estate $75.9M · commercial $9.4M · consumer $8.0M · securities $29.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 62.9% | 74th |
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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