| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.3% | +4.4% | +14.9 pts |
| Deposit growth (YoY) | +32.6% | +4.0% | +28.7 pts |
| Loan growth (YoY) | +26.3% | +5.6% | +20.7 pts |
| ROA | -0.33% | 1.24% | -1.6 pts |
| ROE | -2.4% | 11.9% | -14.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $200.8M | $167.2M | $142.8M | $28.4M | $-331K | -0.33% | 4.61% | 1.09% |
| Q1 2026 | $205.0M | $163.2M | $145.4M | $28.2M | $-398K | -0.80% | 4.43% | 1.13% |
| Q4 2025 | $191.9M | $144.5M | $135.3M | $28.0M | $-10.1M | -5.89% | 3.77% | 0.53% |
| Q3 2025 | $186.5M | $145.9M | $130.9M | $30.1M | $-7.9M | -6.27% | 3.37% | 1.28% |
| Q2 2025 | $168.3M | $126.1M | $113.1M | $30.7M | $-5.7M | -7.07% | 2.78% | 1.50% |
| Q1 2025 | $164.6M | $125.1M | $104.6M | $34.5M | $-1.6M | -4.04% | 0.73% | 1.55% |
| Q4 2024 | $148.1M | $123.2M | $106.2M | $20.9M | $527K | 0.35% | 3.95% | 0.83% |
| Q3 2024 | $151.4M | $122.9M | $102.5M | $21.0M | $455K | 0.40% | 3.96% | 0.95% |
Loan mix (Q2 2026): real estate $82.9M · commercial $64.9M · consumer $0 · securities $3.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.4% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 62.9% | 96th |
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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