| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +4.9% | -13.3 pts |
| Deposit growth (YoY) | -11.1% | +4.3% | -15.5 pts |
| Loan growth (YoY) | -8.9% | +5.3% | -14.2 pts |
| ROA | -0.72% | 1.28% | -2.0 pts |
| ROE | -10.1% | 12.4% | -22.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $658.1M | $580.6M | $545.7M | $47.3M | $-2.5M | -0.72% | 3.53% | 2.91% |
| Q1 2026 | $676.5M | $590.0M | $556.7M | $48.5M | $-1.2M | -0.69% | 3.44% | 2.99% |
| Q4 2025 | $695.9M | $584.9M | $575.9M | $49.8M | $-6.6M | -0.92% | 3.31% | 4.67% |
| Q3 2025 | $702.9M | $632.3M | $586.8M | $50.7M | $-5.5M | -1.02% | 3.22% | 3.97% |
| Q2 2025 | $718.5M | $653.3M | $598.9M | $51.7M | $-3.7M | -1.01% | 3.16% | 3.58% |
| Q1 2025 | $734.8M | $668.5M | $607.3M | $52.3M | $-3.0M | -1.61% | 2.81% | 3.43% |
| Q4 2024 | $731.7M | $644.9M | $604.8M | $54.2M | $-6.2M | -0.83% | 3.08% | 3.13% |
| Q3 2024 | $751.7M | $657.8M | $613.0M | $60.4M | $-2.2M | -0.38% | 3.44% | 2.84% |
Loan mix (Q2 2026): real estate $486.2M · commercial $40.0M · consumer $25.1M · securities $43.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.72% | 1.28% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -10.1% | 12.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.8% | 61.2% | 99th |
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.
7 branches in 3 counties across 1 state (+0 vs 2024) · $653.3M branch deposits. Biggest market: New York, NY, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $387.6M | 0.02% | 51st |
| Kings, NY | 4 | $203.5M | 0.30% | 24th |
| Queens, NY | 1 | $62.2M | 0.08% | 50th |
New York: 112th with 0.02% · New York-Newark-Jersey City metro: 99th, 0.02% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7