| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 0.58% | 1.24% | -0.7 pts |
| ROE | 2.8% | 11.9% | -9.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.5M | $77.3M | $74.8M | $21.0M | $291K | 0.58% | 3.07% | 3.41% |
| Q1 2026 | $98.9M | $75.9M | $72.9M | $20.8M | $149K | 0.60% | 3.02% | 3.76% |
| Q4 2025 | $99.1M | $75.6M | $73.7M | $20.7M | $372K | 0.38% | 2.81% | 3.02% |
| Q3 2025 | $100.4M | $75.0M | $74.2M | $20.6M | $307K | 0.42% | 2.74% | 3.42% |
| Q2 2025 | $99.0M | $73.7M | $73.8M | $20.5M | $180K | 0.37% | 2.69% | 2.84% |
| Q1 2025 | $96.6M | $71.4M | $74.4M | $20.3M | $62K | 0.26% | 2.61% | 3.85% |
| Q4 2024 | $94.3M | $69.2M | $73.1M | $20.3M | $-15K | -0.02% | 2.42% | 3.68% |
| Q3 2024 | $93.8M | $68.7M | $71.4M | $20.3M | $40K | 0.06% | 2.40% | 4.18% |
Loan mix (Q2 2026): real estate $72.0M · commercial $751K · consumer $856K · securities $10.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 62.9% | 72th |
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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