| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.2% | +3.0% | -16.2 pts |
| Deposit growth (YoY) | -10.3% | +2.5% | -12.8 pts |
| Loan growth (YoY) | -14.9% | +2.6% | -17.5 pts |
| ROA | -3.27% | 0.99% | -4.3 pts |
| ROE | -53.3% | 8.1% | -61.4 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 | $20.6M | $19.3M | $16.1M | $1.1M | $-345K | -3.27% | 4.66% | 15.49% |
| Q1 2026 | $21.2M | $19.7M | $17.0M | $1.3M | $-192K | -3.59% | 4.24% | 11.73% |
| Q4 2025 | $21.6M | $19.5M | $18.0M | $1.5M | $-641K | -2.74% | 4.95% | 15.92% |
| Q3 2025 | $23.3M | $21.2M | $18.6M | $2.0M | $-217K | -1.21% | 4.98% | 6.94% |
| Q2 2025 | $23.7M | $21.5M | $18.9M | $2.0M | $-133K | -1.11% | 4.92% | 5.73% |
| Q1 2025 | $24.3M | $21.9M | $19.3M | $2.2M | $-6K | -0.10% | 5.96% | 5.12% |
| Q4 2024 | $24.1M | $21.8M | $19.4M | $2.2M | $9K | 0.04% | 4.93% | 10.50% |
| Q3 2024 | $23.7M | $21.1M | $19.7M | $2.1M | $-67K | -0.35% | 4.92% | 11.81% |
Loan mix (Q2 2026): real estate $16.1M · commercial $0 · consumer $275K · securities $41K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.27% | 0.99% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -53.3% | 8.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 176.0% | 70.8% | 97th |
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 |
|---|---|---|---|---|
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% |
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