| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +3.0% | +9.0 pts |
| Deposit growth (YoY) | +13.9% | +2.5% | +11.4 pts |
| Loan growth (YoY) | +10.8% | +2.6% | +8.2 pts |
| ROA | -0.12% | 0.99% | -1.1 pts |
| ROE | -1.1% | 8.1% | -9.2 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.7M | $18.5M | $14.5M | $2.2M | $-12K | -0.12% | 2.88% | 0.15% |
| Q1 2026 | $20.4M | $18.2M | $13.7M | $2.2M | $-15K | -0.30% | 2.84% | 0.16% |
| Q4 2025 | $19.4M | $17.2M | $13.4M | $2.2M | $-15K | -0.08% | 2.93% | 0.17% |
| Q3 2025 | $19.1M | $16.9M | $13.2M | $2.2M | $2K | 0.01% | 2.93% | 0.00% |
| Q2 2025 | $18.5M | $16.2M | $13.1M | $2.2M | $4K | 0.04% | 2.91% | 0.00% |
| Q1 2025 | $17.7M | $15.4M | $13.2M | $2.2M | $1K | 0.02% | 3.03% | 0.19% |
| Q4 2024 | $17.3M | $15.1M | $13.2M | $2.2M | $-95K | -0.54% | 2.96% | 0.00% |
| Q3 2024 | $18.0M | $15.8M | $13.0M | $2.2M | $-74K | -0.56% | 2.87% | 0.19% |
Loan mix (Q2 2026): real estate $14.4M · commercial $0 · consumer $249K · securities $1.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 0.99% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 8.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.1% | 70.8% | 89th |
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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