| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +4.4% | — |
| Deposit growth (YoY) | — | +4.0% | — |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | -2.47% | 1.24% | -3.7 pts |
| ROE | -4.6% | 11.9% | -16.5 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 | $107.4M | $58.7M | $3.0M | $47.0M | $-1.1M | -2.47% | 2.22% | 0.00% |
| Q1 2026 | $70.6M | $21.5M | $0 | $47.5M | $-630K | -3.57% | 2.20% | 0.00% |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $0 · securities $5.9M
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.47% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.22% | 3.96% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 211.6% |
Peer lists, growth filters, CSV export, CRM push.
| 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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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