| Metric | Bank419 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.0% | -3.1 pts |
| Deposit growth (YoY) | +1.6% | +2.5% | -0.9 pts |
| Loan growth (YoY) | -4.8% | +2.6% | -7.4 pts |
| ROA | 0.58% | 0.99% | -0.4 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.3M | $89.0M | $68.0M | $8.6M | $290K | 0.58% | 4.56% | 1.00% |
| Q1 2026 | $100.2M | $88.9M | $69.9M | $8.6M | $156K | 0.62% | 4.39% | 0.97% |
| Q4 2025 | $101.2M | $89.0M | $71.0M | $8.4M | $484K | 0.50% | 4.48% | 0.14% |
| Q3 2025 | $98.1M | $87.0M | $71.4M | $8.3M | $356K | 0.49% | 4.46% | 0.04% |
| Q2 2025 | $98.4M | $87.6M | $71.4M | $8.0M | $231K | 0.48% | 4.44% | 0.05% |
| Q1 2025 | $94.2M | $82.2M | $70.1M | $7.9M | $86K | 0.36% | 4.42% | 0.05% |
| Q4 2024 | $94.8M | $82.9M | $69.1M | $7.7M | $467K | 0.48% | 4.04% | 0.03% |
| Q3 2024 | $100.7M | $90.1M | $70.1M | $7.8M | $357K | 0.48% | 4.00% | 0.00% |
Loan mix (Q2 2026): real estate $55.1M · commercial $6.7M · consumer $1.4M · securities $18.7M
| Ratio | Bank419 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.99% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 70.8% | 76th |
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 | Bank419 | 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 | Bank419 | 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 | Bank419 | 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 | Bank419 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.