| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +41.0% | +3.0% | +38.0 pts |
| Deposit growth (YoY) | +55.0% | +2.5% | +52.5 pts |
| Loan growth (YoY) | +115.5% | +2.6% | +112.9 pts |
| ROA | -1.32% | 0.99% | -2.3 pts |
| ROE | -7.3% | 8.1% | -15.4 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.8M | $71.6M | $63.2M | $14.9M | $-552K | -1.32% | 3.77% | 0.71% |
| Q1 2026 | $83.2M | $66.8M | $50.7M | $15.1M | $-277K | -1.35% | 3.66% | 0.67% |
| Q4 2025 | $80.5M | $64.8M | $43.4M | $15.5M | $-982K | -1.48% | 4.62% | 1.08% |
| Q3 2025 | $65.3M | $49.3M | $33.6M | $15.7M | $-698K | -1.48% | 4.88% | 0.84% |
| Q2 2025 | $62.3M | $46.2M | $29.3M | $15.9M | $-459K | -1.48% | 4.87% | 0.52% |
| Q1 2025 | $63.7M | $48.4M | $25.9M | $15.1M | $-266K | -1.73% | 4.54% | 0.25% |
| Q4 2024 | $59.6M | $44.1M | $26.0M | $15.4M | $-446K | -0.81% | 0.83% | 0.15% |
| Q3 2024 | $54.0M | $42.6M | $27.9M | $10.3M | $-548K | -1.36% | 3.35% | 0.45% |
Loan mix (Q2 2026): real estate $30.5M · commercial $30.9M · consumer $1.7M · securities $6.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.99% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.3% | 8.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 128.5% | 70.8% | 94th |
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% |
The full ratio pack is part of CharterBench Pro.