| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.4 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 0.02% | 1.24% | -1.2 pts |
| ROE | 0.1% | 11.9% | -11.8 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166.5M | $120.9M | $69.2M | $45.0M | $19K | 0.02% | 2.17% | 0.57% |
| Q1 2026 | $168.4M | $123.0M | $68.5M | $44.9M | $-139K | -0.33% | 2.04% | 0.56% |
| Q4 2025 | $167.2M | $121.6M | $69.8M | $45.0M | $881K | 0.53% | 2.01% | 0.65% |
| Q3 2025 | $166.2M | $120.6M | $70.8M | $45.0M | $893K | 0.71% | 2.00% | 0.61% |
| Q2 2025 | $166.7M | $121.5M | $68.0M | $44.6M | $535K | 0.64% | 1.95% | 0.57% |
| Q1 2025 | $166.7M | $122.0M | $68.2M | $44.3M | $194K | 0.46% | 1.80% | 0.48% |
| Q4 2024 | $167.9M | $123.6M | $68.8M | $44.1M | $514K | 0.31% | 1.89% | 0.63% |
| Q3 2024 | $165.8M | $121.7M | $70.5M | $43.9M | $327K | 0.26% | 1.94% | 0.48% |
Loan mix (Q2 2026): real estate $69.6M · commercial $0 · consumer $0 · securities $75.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 62.9% | 83th |
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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