| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.2% | +3.0% | -19.2 pts |
| Deposit growth (YoY) | -18.9% | +2.5% | -21.4 pts |
| Loan growth (YoY) | -6.2% | +2.6% | -8.8 pts |
| ROA | -1.01% | 0.99% | -2.0 pts |
| ROE | -8.2% | 8.1% | -16.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.8M | $23.2M | $5.3M | $3.5M | $-148K | -1.01% | 1.59% | 6.12% |
| Q1 2026 | $28.7M | $23.6M | $5.1M | $3.6M | $-67K | -0.90% | 1.62% | 5.77% |
| Q4 2025 | $30.9M | $26.1M | $5.9M | $3.7M | $-194K | -0.60% | 1.98% | 1.85% |
| Q3 2025 | $30.4M | $25.5M | $5.2M | $3.8M | $12K | 0.05% | 2.00% | 1.81% |
| Q2 2025 | $33.2M | $28.6M | $5.6M | $3.5M | $-27K | -0.16% | 1.99% | 2.02% |
| Q1 2025 | $33.6M | $29.1M | $5.6M | $3.4M | $6K | 0.07% | 1.95% | 2.00% |
| Q4 2024 | $33.4M | $29.2M | $5.5M | $3.1M | $-286K | -0.88% | 1.92% | 2.16% |
| Q3 2024 | $32.2M | $27.4M | $5.6M | $3.7M | $-92K | -0.38% | 1.94% | 2.23% |
Loan mix (Q2 2026): real estate $709K · commercial $1.4M · consumer $790K · securities $18.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.01% | 0.99% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 8.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 164.6% | 70.8% | 96th |
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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