| Metric | Solutions Plus Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.0% | — |
| Deposit growth (YoY) | — | +2.5% | — |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -5.30% | 0.99% | -6.3 pts |
| ROE | -8.1% | 8.1% | -16.1 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 | $43.9M | $21.1M | $8.3M | $22.6M | $-927K | -5.30% | 4.02% | 0.00% |
| Q1 2026 | $34.1M | $10.9M | $3.1M | $23.0M | $-459K | -6.02% | 5.37% | 0.00% |
| Q4 2025 | $26.9M | $3.1M | $217K | $23.5M | $-2.5M | -9.46% | 71.54% | 0.00% |
Loan mix (Q2 2026): real estate $4.1M · commercial $3.0M · consumer $394K · securities $3.9M
| Ratio | Solutions Plus Bank | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.30% | 0.99% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -8.1% | 8.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.88% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 255.4% |
Peer lists, growth filters, CSV export, CRM push.
| 70.8% |
98th |
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 | Solutions Plus Bank | Trend (3q) | 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 | Solutions Plus Bank | Trend (3q) | 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 | Solutions Plus Bank | Trend (3q) | 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 | Solutions Plus Bank | Trend (3q) | 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.