| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +59.1% | +4.4% | +54.8 pts |
| Deposit growth (YoY) | +71.6% | +4.0% | +67.7 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | -1.47% | 1.24% | -2.7 pts |
| ROE | -11.2% | 11.9% | -23.0 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.6M | $103.8M | $38.3M | $10.6M | $-609K | -1.47% | 3.43% | 0.70% |
| Q1 2026 | $62.0M | $50.9M | $34.1M | $10.9M | $-281K | -1.68% | 4.40% | 0.92% |
| Q4 2025 | $71.8M | $60.4M | $34.8M | $11.2M | $-480K | -0.63% | 4.74% | 0.65% |
| Q3 2025 | $69.2M | $57.8M | $34.3M | $11.3M | $-323K | -0.56% | 4.78% | 0.30% |
| Q2 2025 | $72.0M | $60.5M | $35.2M | $11.3M | $-339K | -0.85% | 4.76% | 0.08% |
| Q1 2025 | $83.3M | $71.4M | $36.1M | $11.4M | $-167K | -0.81% | 4.57% | 0.33% |
| Q4 2024 | $82.7M | $71.4M | $34.1M | $11.1M | $52K | 0.06% | 4.91% | 0.31% |
| Q3 2024 | $86.0M | $72.7M | $33.9M | $10.7M | $349K | 0.58% | 4.82% | 0.88% |
Loan mix (Q2 2026): real estate $26.8M · commercial $6.6M · consumer $5.2M · securities $7.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.47% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -11.2% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.7% | 62.9% | 99th |
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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