| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.0% | — |
| Deposit growth (YoY) | — | +2.5% | — |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -22.64% | 0.99% | -23.6 pts |
| ROE | -25.3% | 8.1% | -33.4 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.9M | $5.6M | $3.0M | $25.1M | $-3.2M | -22.64% | 2.32% | 0.00% |
| Q1 2026 | $26.1M | $102K | $0 | $25.8M | $-2.5M | -38.54% | 1.27% | 0.00% |
Loan mix (Q2 2026): real estate $3.1M · commercial $0 · consumer $31K · securities $6.7M
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -22.64% | 0.99% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -25.3% | 8.1% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.32% | 3.88% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 1115.3% |
Peer lists, growth filters, CSV export, CRM push.
| 70.8% |
99th |
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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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.
1 branches in 1 county across 1 state · $5.6M branch deposits. Biggest market: Marion, IN, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 1 | $5.6M | 0.01% | 45th |
Indiana: 263rd with 0.00% · Indianapolis-Carmel-Greenwood metro: 75th, 0.01% ·