| Metric | Finance Factors, Ltd. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.9% | -8.5 pts |
| Deposit growth (YoY) | -6.7% | +4.3% | -11.0 pts |
| Loan growth (YoY) | -9.1% | +5.3% | -14.4 pts |
| ROA | 0.62% | 1.28% | -0.7 pts |
| ROE | 5.4% | 12.4% | -7.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $683.7M | $519.3M | $446.4M | $80.0M | $2.1M | 0.62% | 2.78% | 1.50% |
| Q1 2026 | $669.4M | $520.9M | $447.2M | $77.4M | $-800K | -0.47% | 2.81% | 1.43% |
| Q4 2025 | $688.2M | $531.9M | $472.0M | $78.5M | $4.4M | 0.63% | 2.68% | 1.00% |
| Q3 2025 | $714.3M | $554.6M | $487.2M | $77.3M | $2.7M | 0.51% | 2.64% | 0.67% |
| Q2 2025 | $708.9M | $556.6M | $491.1M | $75.7M | $1.2M | 0.35% | 2.63% | 0.62% |
| Q1 2025 | $711.5M | $542.1M | $498.4M | $73.9M | $-502K | -0.28% | 2.71% | 0.63% |
| Q4 2024 | $700.0M | $534.5M | $489.8M | $73.6M | $1.7M | 0.25% | 2.48% | 0.74% |
| Q3 2024 | $683.6M | $525.7M | $480.7M | $74.4M | $2.4M | 0.47% | 2.51% | 0.20% |
Loan mix (Q2 2026): real estate $458.9M · commercial $0 · consumer $354K · securities $119.1M
| Ratio | Finance Factors, Ltd. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 12.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 61.2% | 85th |
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 | Finance Factors, Ltd. | 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 | Finance Factors, Ltd. | 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 | Finance Factors, Ltd. | 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 | Finance Factors, Ltd. | 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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