| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -23.0% | +4.4% | -27.4 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 53.73% | 1.24% | +52.5 pts |
| ROE | 58.8% | 11.9% | +47.0 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 | $208.5M | $500K | $0 | $190.8M | $60.9M | 53.73% | 4.05% | 0.00% |
| Q1 2026 | $230.6M | $500K | $0 | $210.1M | $29.8M | 50.45% | 3.88% | 0.00% |
| Q4 2025 | $241.3M | $500K | $0 | $220.4M | $112.3M | 41.90% | 4.28% | 0.00% |
| Q3 2025 | $250.3M | $500K | $0 | $232.1M | $85.5M | 41.51% | 4.43% | 0.00% |
| Q2 2025 | $270.7M | $500K | $0 | $254.2M | $57.5M | 40.65% | 4.39% | 0.00% |
| Q1 2025 | $284.9M | $500K | $0 | $264.7M | $28.6M | 39.65% | 4.39% | 0.00% |
| Q4 2024 | $292.6M | $500K | $0 | $273.0M | $96.5M | 38.79% | 3.97% | 0.00% |
| Q3 2024 | $266.8M | $500K | $0 | $249.2M | $69.7M | 39.09% | 4.05% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $156.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 53.73% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 58.8% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 62.9% | 30th |
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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