| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | -1.9% | +4.0% | -5.8 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.1 pts |
| ROA | 0.42% | 1.24% | -0.8 pts |
| ROE | 1.8% | 11.9% | -10.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.0M | $104.7M | $98.7M | $35.0M | $315K | 0.42% | 3.93% | 0.00% |
| Q1 2026 | $145.8M | $104.7M | $92.9M | $34.9M | $132K | 0.36% | 3.80% | 0.00% |
| Q4 2025 | $147.4M | $105.7M | $91.6M | $35.0M | $1.3M | 0.83% | 3.26% | 0.00% |
| Q3 2025 | $151.4M | $108.4M | $90.3M | $35.7M | $2.2M | 1.93% | 3.09% | 0.00% |
| Q2 2025 | $143.1M | $106.7M | $92.5M | $28.5M | $-161K | -0.21% | 3.05% | 0.36% |
| Q1 2025 | $151.6M | $114.2M | $93.9M | $28.7M | $-86K | -0.22% | 2.92% | 0.00% |
| Q4 2024 | $160.9M | $123.0M | $94.4M | $28.4M | $-657K | -0.42% | 2.73% | 0.00% |
| Q3 2024 | $156.2M | $116.6M | $92.7M | $29.4M | $-557K | -0.48% | 2.71% | 0.00% |
Loan mix (Q2 2026): real estate $100.7M · commercial $614K · consumer $0 · securities $28.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 62.9% | 89th |
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.
Spends 1.5× the peer median 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).
1 branches in 1 county across 1 state (+0 vs 2025) · $104.7M branch deposits. Biggest market: New York, NY, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $104.7M | 0.01% | 74th |
New York: 234th with 0.00% · New York-Newark-Jersey City metro: 174th, 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 1 · 2026 1