| Metric | Bank of Vici | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +3.0% | -14.7 pts |
| Deposit growth (YoY) | -13.5% | +2.5% | -16.0 pts |
| Loan growth (YoY) | -13.3% | +2.6% | -15.9 pts |
| ROA | -0.87% | 0.99% | -1.9 pts |
| ROE | -13.3% | 8.1% | -21.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.9M | $26.8M | $13.5M | $2.0M | $-130K | -0.87% | 4.28% | 5.93% |
| Q1 2026 | $31.7M | $29.8M | $14.6M | $1.9M | $-55K | -0.72% | 4.43% | 1.13% |
| Q4 2025 | $29.1M | $27.1M | $14.3M | $2.0M | $-1.8M | -5.53% | 4.20% | 1.58% |
| Q3 2025 | $30.6M | $28.8M | $15.3M | $1.7M | $-1.7M | -6.81% | 3.67% | 2.56% |
| Q2 2025 | $32.7M | $30.9M | $15.5M | $1.7M | $-1.5M | -8.88% | 3.58% | 2.53% |
| Q1 2025 | $34.3M | $31.6M | $17.5M | $2.6M | $-625K | -7.23% | 3.86% | 3.93% |
| Q4 2024 | $34.9M | $31.8M | $18.1M | $3.1M | $-632K | -1.88% | 4.86% | 4.34% |
| Q3 2024 | $33.4M | $29.3M | $19.7M | $4.0M | $-3K | -0.01% | 5.07% | 6.43% |
Loan mix (Q2 2026): real estate $4.1M · commercial $5.2M · consumer $3.3M · securities $6.8M
| Ratio | Bank of Vici | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.87% | 0.99% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -13.3% | 8.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.5% | 70.8% | 93th |
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 Vici | 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 Vici | 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 Vici | 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 Vici | 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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