| Metric | Mega Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.9% | -5.3 pts |
| Deposit growth (YoY) | -2.0% | +4.3% | -6.3 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.5 pts |
| ROA | 1.15% | 1.28% | -0.1 pts |
| ROE | 8.1% | 12.4% | -4.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $506.7M | $426.1M | $427.5M | $74.1M | $2.9M | 1.15% | 3.91% | 1.38% |
| Q1 2026 | $515.1M | $437.4M | $409.6M | $72.3M | $1.1M | 0.90% | 3.57% | 1.96% |
| Q4 2025 | $510.0M | $432.9M | $414.4M | $71.5M | $5.0M | 0.97% | 3.91% | 2.34% |
| Q3 2025 | $509.6M | $419.3M | $420.2M | $69.7M | $3.2M | 0.84% | 3.97% | 1.44% |
| Q2 2025 | $508.8M | $434.6M | $407.7M | $68.7M | $2.4M | 0.92% | 3.86% | 1.44% |
| Q1 2025 | $509.9M | $436.1M | $426.6M | $67.4M | $1.2M | 0.91% | 3.88% | 1.49% |
| Q4 2024 | $524.4M | $444.7M | $411.6M | $66.6M | $5.3M | 1.02% | 3.67% | 1.44% |
| Q3 2024 | $517.5M | $439.1M | $401.0M | $65.1M | $3.7M | 0.97% | 3.69% | 0.34% |
Loan mix (Q2 2026): real estate $385.7M · commercial $13.7M · consumer $6.2M · securities $8.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mega Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.28% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.4% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 61.2% | 43th |
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 | Mega 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 | Mega 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 | Mega 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 | Mega 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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