| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +3.0% | -6.2 pts |
| Deposit growth (YoY) | -3.9% | +2.5% | -6.4 pts |
| Loan growth (YoY) | -6.5% | +2.6% | -9.1 pts |
| ROA | -1.32% | 0.99% | -2.3 pts |
| ROE | -4.7% | 8.1% | -12.8 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.8M | $36.1M | $25.5M | $14.2M | $-340K | -1.32% | 2.58% | 0.31% |
| Q1 2026 | $51.5M | $36.6M | $25.4M | $14.4M | $-291K | -2.24% | 2.48% | 0.32% |
| Q4 2025 | $52.4M | $37.2M | $25.4M | $14.7M | $424K | 0.81% | 2.68% | 0.37% |
| Q3 2025 | $52.2M | $37.0M | $26.6M | $14.7M | $494K | 1.26% | 2.72% | 0.52% |
| Q2 2025 | $52.5M | $37.6M | $27.3M | $14.4M | $368K | 1.40% | 2.73% | 0.74% |
| Q1 2025 | $52.3M | $37.8M | $29.5M | $14.0M | $72K | 0.55% | 2.62% | 0.28% |
| Q4 2024 | $52.3M | $37.9M | $27.8M | $13.8M | $240K | 0.44% | 2.60% | 0.28% |
| Q3 2024 | $52.4M | $38.2M | $29.1M | $13.5M | $-381K | -0.93% | 2.54% | 0.51% |
Loan mix (Q2 2026): real estate $24.5M · commercial $690K · consumer $661K · securities $13.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.99% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -4.7% | 8.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.3% | 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% |
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