| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.7 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 1.0% | 11.9% | -10.9 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.2M | $69.0M | $65.0M | $33.7M | $166K | 0.33% | 2.27% | 0.27% |
| Q1 2026 | $101.7M | $66.6M | $63.9M | $33.6M | $79K | 0.32% | 2.29% | 0.43% |
| Q4 2025 | $98.0M | $63.2M | $64.5M | $33.5M | $274K | 0.28% | 2.31% | 0.70% |
| Q3 2025 | $97.7M | $62.6M | $64.1M | $33.5M | $203K | 0.28% | 2.32% | 0.50% |
| Q2 2025 | $96.7M | $61.8M | $63.2M | $33.4M | $118K | 0.24% | 2.30% | 0.27% |
| Q1 2025 | $96.6M | $61.7M | $61.3M | $33.3M | $64K | 0.27% | 2.28% | 0.26% |
| Q4 2024 | $95.6M | $60.7M | $60.5M | $33.3M | $164K | 0.17% | 2.20% | 0.26% |
| Q3 2024 | $98.5M | $63.5M | $59.6M | $33.2M | $95K | 0.13% | 2.17% | 0.39% |
Loan mix (Q2 2026): real estate $65.7M · commercial $0 · consumer $0 · securities $15.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 62.9% | 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% |
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