| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +3.0% | -2.6 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 0.58% | 0.99% | -0.4 pts |
| ROE | 0.7% | 8.1% | -7.4 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 | $8.2M | $1.0M | $0 | $7.2M | $24K | 0.58% | 0.00% | 0.00% |
| Q1 2026 | $8.2M | $1.0M | $0 | $7.2M | $12K | 0.58% | 0.00% | 0.00% |
| Q4 2025 | $8.2M | $1.0M | $0 | $7.2M | $38K | 0.46% | 0.00% | 0.00% |
| Q3 2025 | $8.2M | $1.0M | $0 | $7.1M | $24K | 0.39% | 0.00% | 0.00% |
| Q2 2025 | $8.2M | $1.0M | $0 | $7.1M | $16K | 0.39% | 0.00% | 0.00% |
| Q1 2025 | $8.2M | $1.0M | $0 | $7.1M | $4K | 0.20% | 0.00% | 0.00% |
| Q4 2024 | $8.2M | $1.0M | $0 | $7.1M | $30K | 0.37% | 0.00% | 0.00% |
| Q3 2024 | $8.1M | $1.0M | $0 | $7.1M | $22K | 0.36% | 0.00% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | 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 | 0.7% | 8.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | -700.0% | 70.8% | 0th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Feb 20, 2026 | Target | BMO Bank National Association | Reorganization | Withdrawn | OCC |
1 branches in 1 county across 1 state (+0 vs 2025) · $1.0M branch deposits. Biggest market: DuPage, IL, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| DuPage, IL | 1 | $1.0M | 0.00% | 58th |
Illinois: 578th with 0.00% · Chicago-Naperville-Elgin metro: 254th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1