| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +4.4% | -12.8 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.4 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | -6.91% | 1.24% | -8.1 pts |
| ROE | -66.1% | 11.9% | -77.9 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $167.9M | $149.8M | $140.8M | $16.7M | $-3.0M | -6.91% | 3.25% | 0.85% |
| Q4 2025 | $179.1M | $148.9M | $144.5M | $19.6M | $643K | 0.35% | 2.99% | 0.53% |
| Q3 2025 | $185.3M | $158.9M | $145.0M | $19.3M | $412K | 0.30% | 2.91% | 0.37% |
| Q2 2025 | $187.3M | $156.9M | $152.9M | $19.3M | $490K | 0.53% | 2.87% | 0.27% |
| Q1 2025 | $183.5M | $153.5M | $145.2M | $19.1M | $287K | 0.63% | 2.69% | 0.37% |
| Q4 2024 | $181.2M | $144.9M | $146.0M | $18.7M | $-29K | -0.02% | 2.35% | 0.43% |
| Q3 2024 | $172.6M | $137.3M | $139.0M | $18.7M | $-174K | -0.13% | 2.30% | 0.44% |
Loan mix (Q1 2026): real estate $138.7M · commercial $3.2M · consumer $253K · securities $11.3M
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.91% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -66.1% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 304.8% | 62.9% | 100th |
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 (7q) | 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 (7q) | 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 (7q) | 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 (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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