| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +4.4% | -12.8 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 18.15% | 1.24% | +16.9 pts |
| ROE | 46.5% | 11.9% | +34.6 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.6M | $500K | $0 | $61.7M | $14.7M | 18.15% | 0.56% | 0.00% |
| Q1 2026 | $166.3M | $500K | $0 | $64.3M | $8.5M | 20.53% | 0.58% | 0.00% |
| Q4 2025 | $166.9M | $500K | $0 | $64.1M | $33.5M | 19.70% | -0.28% | 0.00% |
| Q3 2025 | $177.2M | $500K | $0 | $64.1M | $25.4M | 19.81% | -0.56% | 0.00% |
| Q2 2025 | $167.8M | $500K | $0 | $62.3M | $16.7M | 19.74% | -0.55% | 0.00% |
| Q1 2025 | $167.6M | $500K | $0 | $63.3M | $9.1M | 21.35% | -0.48% | 0.00% |
| Q4 2024 | $171.5M | $500K | $0 | $60.0M | $24.6M | 15.43% | -1.17% | 0.00% |
| Q3 2024 | $157.7M | $500K | $0 | $55.1M | $17.5M | 14.94% | -1.17% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $106.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 18.15% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 46.5% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 62.9% | 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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $500K branch deposits. Biggest market: Franklin, OH, ranked 48th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, OH | 1 | $500K | 0.00% | 48th |
Ohio: 398th with 0.00% · Columbus metro: 78th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1