| Metric | Champion Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.2% | +3.0% | -17.2 pts |
| Deposit growth (YoY) | -20.5% | +2.5% | -23.0 pts |
| Loan growth (YoY) | -7.5% | +2.6% | -10.1 pts |
| ROA | -2.12% | 0.99% | -3.1 pts |
| ROE | -5.6% | 8.1% | -13.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.7M | $25.3M | $13.8M | $16.0M | $-458K | -2.12% | 3.88% | 0.40% |
| Q1 2026 | $41.8M | $25.1M | $13.9M | $16.4M | $-131K | -1.19% | 3.85% | 0.40% |
| Q4 2025 | $46.3M | $29.4M | $14.8M | $16.6M | $-209K | -0.45% | 3.86% | 0.36% |
| Q3 2025 | $46.8M | $29.8M | $14.1M | $16.6M | $-114K | -0.32% | 3.91% | 0.36% |
| Q2 2025 | $48.6M | $31.8M | $14.9M | $16.6M | $-30K | -0.13% | 3.82% | 0.05% |
| Q1 2025 | $48.6M | $31.8M | $14.1M | $16.6M | $-44K | -0.38% | 3.84% | 0.05% |
| Q4 2024 | $44.1M | $27.5M | $13.8M | $16.5M | $61K | 0.13% | 4.31% | 0.05% |
| Q3 2024 | $45.2M | $28.3M | $14.2M | $16.7M | $28K | 0.08% | 4.31% | 1.42% |
Loan mix (Q2 2026): real estate $14.2M · commercial $0 · consumer $18K · securities $9.3M
| Ratio | Champion Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.12% | 0.99% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 8.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 140.6% | 70.8% | 95th |
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 | Champion Bank | 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 | Champion Bank | 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 | Champion Bank | 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 | Champion Bank | 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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