| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +3.0% | -5.8 pts |
| Deposit growth (YoY) | -3.7% | +2.5% | -6.2 pts |
| Loan growth (YoY) | -15.1% | +2.6% | -17.7 pts |
| ROA | -0.03% | 0.99% | -1.0 pts |
| ROE | -0.3% | 8.1% | -8.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.8M | $83.0M | $24.3M | $10.3M | $-14K | -0.03% | 2.95% | 0.27% |
| Q1 2026 | $92.2M | $81.2M | $25.2M | $10.5M | $113K | 0.49% | 2.96% | 0.99% |
| Q4 2025 | $92.7M | $81.5M | $25.9M | $10.7M | $531K | 0.56% | 3.12% | 1.00% |
| Q3 2025 | $97.9M | $86.8M | $27.1M | $10.6M | $480K | 0.67% | 3.13% | 0.94% |
| Q2 2025 | $96.5M | $86.2M | $28.6M | $9.8M | $335K | 0.71% | 3.11% | 1.08% |
| Q1 2025 | $94.4M | $84.3M | $29.2M | $9.7M | $6K | 0.03% | 3.15% | 0.54% |
| Q4 2024 | $92.2M | $82.8M | $29.6M | $9.1M | $490K | 0.50% | 3.29% | 0.36% |
| Q3 2024 | $98.6M | $87.8M | $30.9M | $10.5M | $427K | 0.58% | 3.30% | 0.22% |
Loan mix (Q2 2026): real estate $18.4M · commercial $2.3M · consumer $3.8M · securities $38.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.99% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 8.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.2% | 70.8% | 89th |
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% |
The full ratio pack is part of CharterBench Pro.