| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.7% | +3.0% | +16.7 pts |
| Deposit growth (YoY) | +22.3% | +2.5% | +19.8 pts |
| Loan growth (YoY) | +21.5% | +2.6% | +18.9 pts |
| ROA | -0.30% | 0.99% | -1.3 pts |
| ROE | -2.5% | 8.1% | -10.5 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.5M | $69.5M | $30.7M | $8.8M | $-110K | -0.30% | 3.73% | 1.71% |
| Q1 2026 | $72.7M | $63.6M | $26.1M | $8.9M | $-132K | -0.76% | 3.68% | 1.83% |
| Q4 2025 | $66.2M | $56.8M | $25.8M | $9.2M | $87K | 0.13% | 4.00% | 1.44% |
| Q3 2025 | $66.6M | $57.3M | $25.0M | $9.1M | $-98K | -0.20% | 3.86% | 0.92% |
| Q2 2025 | $65.6M | $56.8M | $25.3M | $8.7M | $-62K | -0.19% | 3.78% | 0.69% |
| Q1 2025 | $67.2M | $58.5M | $24.8M | $8.5M | $-39K | -0.23% | 3.68% | 0.71% |
| Q4 2024 | $66.4M | $58.1M | $24.1M | $8.1M | $34K | 0.05% | 3.93% | 0.53% |
| Q3 2024 | $68.1M | $59.3M | $23.7M | $8.7M | $-45K | -0.09% | 3.95% | 0.52% |
Loan mix (Q2 2026): real estate $18.8M · commercial $11.3M · consumer $1.2M · securities $29.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.30% | 0.99% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 8.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.9% | 70.8% | 90th |
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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