| Metric | Legacy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.4% | +4.4% | +20.0 pts |
| Deposit growth (YoY) | +39.7% | +4.0% | +35.8 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.4 pts |
| ROA | -2.02% | 1.24% | -3.3 pts |
| ROE | -21.6% | 11.9% | -33.4 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 | $112.8M | $101.6M | $75.9M | $9.8M | $-1.1M | -2.02% | 4.16% | 1.10% |
| Q1 2026 | $111.5M | $99.9M | $76.4M | $10.1M | $-757K | -2.80% | 3.80% | 1.30% |
| Q4 2025 | $104.5M | $88.1M | $75.2M | $10.9M | $-3.5M | -3.88% | 4.30% | 0.63% |
| Q3 2025 | $111.3M | $93.9M | $72.6M | $11.8M | $-2.6M | -3.95% | 4.35% | 0.62% |
| Q2 2025 | $90.7M | $72.7M | $70.3M | $12.5M | $-1.9M | -4.74% | 4.64% | 0.85% |
| Q1 2025 | $75.5M | $58.4M | $62.6M | $10.6M | $-887K | -4.72% | 4.94% | 0.96% |
| Q4 2024 | $74.7M | $56.5M | $61.4M | $11.5M | $-3.5M | -5.06% | 5.02% | 0.97% |
| Q3 2024 | $69.2M | $55.4M | $50.5M | $11.9M | $-3.0M | -6.07% | 4.95% | 1.04% |
Loan mix (Q2 2026): real estate $50.3M · commercial $26.5M · consumer $116K · securities $0
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.02% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -21.6% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 142.4% | 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 | Legacy 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 | Legacy 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 | Legacy 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 | Legacy 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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