| Metric | Bank of Frankewing | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.7% | +4.4% | -20.0 pts |
| Deposit growth (YoY) | -17.1% | +4.0% | -21.0 pts |
| Loan growth (YoY) | -17.4% | +5.6% | -23.0 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 2.9% | 11.9% | -8.9 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 | $413.1M | $364.6M | $275.8M | $47.3M | $707K | 0.33% | 3.94% | 4.88% |
| Q1 2026 | $434.0M | $383.8M | $288.4M | $48.7M | $550K | 0.50% | 3.79% | 4.60% |
| Q4 2025 | $446.4M | $396.4M | $294.5M | $48.3M | $520K | 0.11% | 3.88% | 4.46% |
| Q3 2025 | $482.6M | $431.7M | $315.1M | $48.8M | $980K | 0.26% | 3.87% | 5.35% |
| Q2 2025 | $489.9M | $439.7M | $333.8M | $48.1M | $604K | 0.24% | 3.96% | 5.55% |
| Q1 2025 | $503.0M | $450.5M | $375.3M | $49.4M | $372K | 0.29% | 4.03% | 5.54% |
| Q4 2024 | $508.1M | $457.6M | $385.8M | $48.7M | $278K | 0.05% | 4.00% | 5.72% |
| Q3 2024 | $548.8M | $495.6M | $403.7M | $51.1M | $2.0M | 0.48% | 3.94% | 4.18% |
Loan mix (Q2 2026): real estate $245.7M · commercial $18.4M · consumer $10.2M · securities $30.2M
| Ratio | Bank of Frankewing | 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 | 2.9% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 62.9% | 91th |
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 | Bank of Frankewing | 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 | Bank of Frankewing | 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 | Bank of Frankewing | 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 | Bank of Frankewing | 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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