| Metric | Flat Branch Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -5.7% | +2.5% | -8.2 pts |
| Loan growth (YoY) | +55.8% | +2.6% | +53.2 pts |
| ROA | -0.96% | 0.99% | -2.0 pts |
| ROE | -6.7% | 8.1% | -14.7 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.8M | $79.2M | $57.5M | $13.4M | $-450K | -0.96% | 4.74% | 0.00% |
| Q1 2026 | $93.3M | $79.6M | $54.0M | $13.3M | $-599K | -2.53% | 4.90% | 0.00% |
| Q4 2025 | $95.8M | $81.5M | $47.9M | $13.9M | $11K | 0.01% | 4.04% | 0.09% |
| Q3 2025 | $93.1M | $82.9M | $40.1M | $9.6M | $-85K | -0.13% | 3.91% | 0.15% |
| Q2 2025 | $94.1M | $84.0M | $36.9M | $9.5M | $-99K | -0.22% | 3.81% | 0.10% |
| Q1 2025 | $88.7M | $77.7M | $30.5M | $9.6M | $18K | 0.08% | 3.76% | 0.02% |
| Q4 2024 | $85.5M | $75.5M | $25.6M | $9.5M | $279K | 0.46% | 4.10% | 0.12% |
| Q3 2024 | $76.9M | $68.9M | $19.5M | $7.6M | $229K | 0.56% | 3.99% | 0.12% |
Loan mix (Q2 2026): real estate $47.4M · commercial $9.7M · consumer $917K · securities $6.2M
| Ratio | Flat Branch Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.96% | 0.99% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 8.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.6% | 70.8% | 92th |
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 | Flat Branch Bank | 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 | Flat Branch Bank | 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 | Flat Branch Bank | 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 | Flat Branch Bank | 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.