| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +4.4% | -10.6 pts |
| Deposit growth (YoY) | -7.1% | +4.0% | -11.0 pts |
| Loan growth (YoY) | -12.7% | +5.6% | -18.3 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $234.5M | $201.4M | $167.9M | $26.5M | $1.8M | 1.52% | 4.01% | 0.30% |
| Q1 2026 | $237.6M | $203.6M | $170.7M | $26.2M | $900K | 1.54% | 4.01% | 0.23% |
| Q4 2025 | $231.0M | $197.4M | $170.5M | $25.9M | $2.9M | 1.17% | 3.68% | 0.20% |
| Q3 2025 | $251.4M | $215.7M | $189.2M | $26.1M | $2.5M | 1.30% | 3.62% | 0.19% |
| Q2 2025 | $250.1M | $216.7M | $192.3M | $24.1M | $1.6M | 1.27% | 3.57% | 0.22% |
| Q1 2025 | $259.2M | $226.7M | $190.6M | $24.0M | $809K | 1.27% | 3.56% | 0.20% |
| Q4 2024 | $248.6M | $217.4M | $192.1M | $23.0M | $3.2M | 1.29% | 3.45% | 0.23% |
| Q3 2024 | $251.2M | $215.4M | $194.1M | $23.7M | $2.2M | 1.16% | 3.41% | 0.24% |
Loan mix (Q2 2026): real estate $120.7M · commercial $35.8M · consumer $3.5M · securities $51.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 62.9% | 50th |
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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