| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +144.9% | +4.9% | +140.0 pts |
| Deposit growth (YoY) | +57.1% | +4.3% | +52.8 pts |
| Loan growth (YoY) | +67.1% | +5.3% | +61.7 pts |
| ROA | -0.13% | 1.28% | -1.4 pts |
| ROE | -0.3% | 12.5% | -12.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $978.3M | $460.4M | $442.5M | $458.3M | $-590K | -0.13% | 3.18% | 0.08% |
| Q1 2026 | $892.5M | $377.6M | $343.3M | $458.8M | $-138K | -0.06% | 3.02% | 0.07% |
| Q4 2025 | $887.8M | $368.0M | $280.7M | $459.1M | $1.4M | 0.29% | 2.30% | 0.07% |
| Q3 2025 | $395.9M | $286.4M | $283.2M | $48.5M | $882K | 0.29% | 2.75% | 0.17% |
| Q2 2025 | $399.5M | $293.0M | $264.8M | $47.9M | $442K | 0.22% | 2.71% | 0.17% |
| Q1 2025 | $402.2M | $298.2M | $261.9M | $47.6M | $195K | 0.19% | 2.74% | 0.19% |
| Q4 2024 | $405.8M | $302.3M | $265.2M | $47.2M | $3.2M | 0.80% | 2.74% | 0.18% |
| Q3 2024 | $404.8M | $300.6M | $266.7M | $47.1M | $3.0M | 0.99% | 2.74% | 0.00% |
Loan mix (Q2 2026): real estate $290.5M · commercial $131.7M · consumer $24.7M · securities $78.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 1.28% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 12.5% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 61.1% | 92nd |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $460.4M branch deposits. Biggest market: New York, NY, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $460.4M | 0.02% | 50th |
New York: 142nd with 0.02% · New York-Newark-Jersey City metro: 121st, 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).