| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.0% | +4.0 pts |
| Deposit growth (YoY) | +8.6% | +2.5% | +6.1 pts |
| Loan growth (YoY) | +12.8% | +2.6% | +10.2 pts |
| ROA | -0.61% | 0.99% | -1.6 pts |
| ROE | -4.5% | 8.1% | -12.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.3M | $33.9M | $28.8M | $5.2M | $-117K | -0.61% | 1.99% | 1.87% |
| Q1 2026 | $38.1M | $32.6M | $26.4M | $5.3M | $-52K | -0.55% | 2.01% | 1.98% |
| Q4 2025 | $37.5M | $31.9M | $25.1M | $5.3M | $-218K | -0.59% | 1.68% | 2.20% |
| Q3 2025 | $37.2M | $31.6M | $25.1M | $5.4M | $-130K | -0.47% | 1.65% | 2.35% |
| Q2 2025 | $36.8M | $31.2M | $25.6M | $5.3M | $-69K | -0.38% | 1.65% | 2.33% |
| Q1 2025 | $36.4M | $30.8M | $25.8M | $5.3M | $-41K | -0.45% | 1.72% | 2.65% |
| Q4 2024 | $36.6M | $31.0M | $25.9M | $5.3M | $-155K | -0.41% | 1.47% | 3.55% |
| Q3 2024 | $41.3M | $35.7M | $25.9M | $5.5M | $-113K | -0.39% | 1.48% | 2.93% |
Loan mix (Q2 2026): real estate $28.9M · commercial $236K · consumer $65K · securities $5.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.61% | 0.99% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 8.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 135.1% | 70.8% | 94th |
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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