| Metric | Global Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +4.4% | +9.5 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | -0.02% | 1.24% | -1.3 pts |
| ROE | -0.2% | 11.9% | -12.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $304.2M | $212.8M | $245.8M | $35.9M | $-35K | -0.02% | 3.44% | 3.99% |
| Q1 2026 | $279.6M | $203.9M | $223.8M | $36.2M | $160K | 0.23% | 3.45% | 3.21% |
| Q4 2025 | $272.6M | $203.8M | $220.0M | $36.2M | $1.4M | 0.52% | 3.74% | 3.97% |
| Q3 2025 | $268.1M | $199.4M | $223.5M | $36.2M | $1.4M | 0.72% | 3.99% | 5.90% |
| Q2 2025 | $267.2M | $199.5M | $225.0M | $35.7M | $1.0M | 0.78% | 4.05% | 2.50% |
| Q1 2025 | $259.6M | $197.9M | $210.9M | $34.9M | $237K | 0.36% | 3.46% | 2.67% |
| Q4 2024 | $260.2M | $198.3M | $203.8M | $34.6M | $903K | 0.36% | 3.36% | 1.48% |
| Q3 2024 | $254.8M | $187.9M | $214.7M | $34.4M | $550K | 0.30% | 3.32% | 1.79% |
Loan mix (Q2 2026): real estate $248.3M · commercial $1.3M · consumer $0 · securities $23.7M
| Ratio | Global Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 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 | Global 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 | Global 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 | Global 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 | Global Bank | 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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