No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.2M | $204.7M | $151.4M | $43.3M | $467K | 0.39% | 3.73% | 0.41% |
| Q1 2026 | $241.7M | $192.0M | $159.0M | $44.2M | $350K | 0.60% | 3.90% | 0.20% |
| Q4 2025 | $221.1M | $172.1M | $163.3M | $43.9M | $3.2M | 1.48% | 3.93% | 0.20% |
| Q3 2025 | $235.1M | $186.8M | $161.0M | $43.1M | $2.4M | 1.49% | 3.80% | 0.21% |
| Q2 2025 | $205.6M | $158.0M | $154.7M | $42.3M | $1.7M | 1.65% | 3.85% | 0.05% |
| Q1 2025 | $201.2M | $154.1M | $138.2M | $41.4M | $794K | 1.57% | 3.80% | 0.17% |
| Q4 2024 | $204.0M | $157.9M | $131.0M | $40.5M | $1.5M | 0.83% | 3.93% | 0.15% |
| Q3 2024 | $178.2M | $132.7M | $114.7M | $39.7M | $597K | 0.47% | 3.97% | 0.00% |
Loan mix (Q2 2026): real estate $86.3M · commercial $66.2M · consumer $0 · securities $9.9M
| Ratio | GenuBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 62.9% | 95th |
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 | GenuBank | 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 | GenuBank | 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 | GenuBank | 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 | GenuBank | 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.