| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.0% | -6.4 pts |
| Deposit growth (YoY) | -3.0% | +2.5% | -5.5 pts |
| Loan growth (YoY) | +4.0% | +2.6% | +1.4 pts |
| ROA | -0.18% | 0.99% | -1.2 pts |
| ROE | -2.1% | 8.1% | -10.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.8M | $34.6M | $31.7M | $3.7M | $-38K | -0.18% | 3.68% | 1.40% |
| Q1 2026 | $41.9M | $33.7M | $31.0M | $3.7M | $-22K | -0.21% | 3.62% | 1.41% |
| Q4 2025 | $42.8M | $34.6M | $31.9M | $3.6M | $-63K | -0.15% | 3.46% | 1.20% |
| Q3 2025 | $42.8M | $35.6M | $31.0M | $3.6M | $-45K | -0.14% | 3.41% | 1.22% |
| Q2 2025 | $43.3M | $35.6M | $30.4M | $3.5M | $-40K | -0.18% | 3.35% | 1.23% |
| Q1 2025 | $43.2M | $34.5M | $31.0M | $3.5M | $-27K | -0.25% | 3.29% | 1.34% |
| Q4 2024 | $43.9M | $35.4M | $30.8M | $3.3M | $-42K | -0.10% | 3.51% | 1.33% |
| Q3 2024 | $41.7M | $33.8M | $30.0M | $3.5M | $-27K | -0.09% | 3.58% | 1.41% |
Loan mix (Q2 2026): real estate $31.9M · commercial $0 · consumer $0 · securities $3.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.18% | 0.99% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 8.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.7% | 70.8% | 90th |
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% |
The full ratio pack is part of CharterBench Pro.