| Metric | Great Nations Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +4.4% | -8.1 pts |
| Deposit growth (YoY) | -5.0% | +4.0% | -9.0 pts |
| Loan growth (YoY) | -4.9% | +5.6% | -10.5 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 7.1% | 11.9% | -4.7 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.8M | $100.5M | $89.1M | $11.3M | $397K | 0.70% | 3.92% | 0.08% |
| Q1 2026 | $114.0M | $100.8M | $88.6M | $11.1M | $170K | 0.60% | 3.82% | 0.00% |
| Q4 2025 | $114.4M | $101.3M | $86.9M | $11.0M | $1.1M | 0.94% | 3.82% | 0.09% |
| Q3 2025 | $118.1M | $105.2M | $87.8M | $10.7M | $811K | 0.94% | 3.78% | 0.00% |
| Q2 2025 | $118.2M | $105.8M | $93.7M | $10.2M | $434K | 0.76% | 3.78% | 0.00% |
| Q1 2025 | $115.2M | $103.1M | $93.5M | $9.9M | $174K | 0.62% | 3.70% | 0.00% |
| Q4 2024 | $108.6M | $96.9M | $90.8M | $9.5M | $-106K | -0.10% | 3.74% | 0.00% |
| Q3 2024 | $107.1M | $94.7M | $85.5M | $10.1M | $311K | 0.42% | 3.67% | 0.65% |
Loan mix (Q2 2026): real estate $83.5M · commercial $5.3M · consumer $771K · securities $2.3M
| Ratio | Great Nations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 62.9% | 84th |
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 | Great Nations 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 | Great Nations 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 | Great Nations 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 | Great Nations 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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