| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1062.1% | +4.4% | +1057.7 pts |
| Deposit growth (YoY) | +64.6% | +4.0% | +60.6 pts |
| Loan growth (YoY) | +1251.5% | +5.6% | +1246.0 pts |
| ROA | -2.74% | 1.24% | -4.0 pts |
| ROE | -5.6% | 11.9% | -17.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $450.0M | $56.1M | $256.6M | $254.1M | $-2.4M | -2.74% | 1.51% | 0.00% |
| Q1 2026 | $38.2M | $32.6M | $19.3M | $2.1M | $-61K | -0.64% | 2.75% | 0.46% |
| Q4 2025 | $38.6M | $33.9M | $19.2M | $2.2M | $-237K | -0.60% | 2.62% | 0.45% |
| Q3 2025 | $39.4M | $33.2M | $19.7M | $2.2M | $-181K | -0.61% | 2.59% | 0.45% |
| Q2 2025 | $38.7M | $34.1M | $19.0M | $2.0M | $-100K | -0.50% | 2.58% | 0.00% |
| Q1 2025 | $40.4M | $34.5M | $19.8M | $2.0M | $-71K | -0.70% | 2.57% | 0.00% |
| Q4 2024 | $40.6M | $35.4M | $19.6M | $1.9M | $-244K | -0.59% | 2.60% | 0.00% |
| Q3 2024 | $41.9M | $35.9M | $20.3M | $2.3M | $-182K | -0.58% | 2.60% | 0.00% |
Loan mix (Q2 2026): real estate $15.5M · commercial $100.2M · consumer $388K · securities $4.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.74% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 133.9% | 62.9% | 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 (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 | Value | 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 | Value | 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 | Value | 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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