| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +5.5% | +5.6% | -0.1 pts |
| ROA | 0.04% | 1.24% | -1.2 pts |
| ROE | 0.5% | 11.9% | -11.3 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 | $192.6M | $175.8M | $118.0M | $16.2M | $43K | 0.04% | 2.05% | 0.00% |
| Q1 2026 | $195.0M | $178.1M | $112.5M | $16.2M | $1K | 0.00% | 1.93% | 0.00% |
| Q4 2025 | $188.5M | $171.6M | $112.9M | $16.2M | $-409K | -0.22% | 1.81% | 0.00% |
| Q3 2025 | $182.4M | $165.4M | $113.9M | $16.2M | $-326K | -0.24% | 1.78% | 0.00% |
| Q2 2025 | $182.7M | $165.7M | $111.9M | $16.3M | $-262K | -0.29% | 1.73% | 0.00% |
| Q1 2025 | $182.9M | $165.7M | $108.5M | $16.4M | $-159K | -0.35% | 1.61% | 0.00% |
| Q4 2024 | $179.1M | $161.6M | $108.6M | $16.6M | $-1.2M | -0.69% | 1.58% | 0.00% |
| Q3 2024 | $177.2M | $159.5M | $107.0M | $16.6M | $-941K | -0.73% | 1.60% | 0.00% |
Loan mix (Q2 2026): real estate $117.4M · commercial $50K · consumer $1.1M · securities $24.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.0% | 62.9% | 97th |
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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