| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +3.0% | -8.1 pts |
| Deposit growth (YoY) | -5.0% | +2.5% | -7.4 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | -0.86% | 0.99% | -1.9 pts |
| ROE | -7.2% | 8.1% | -15.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.3M | $72.2M | $46.0M | $9.8M | $-365K | -0.86% | 3.94% | 0.10% |
| Q1 2026 | $86.1M | $75.7M | $46.5M | $10.1M | $-211K | -0.97% | 3.81% | 0.11% |
| Q4 2025 | $87.4M | $76.7M | $42.8M | $10.5M | $-1.1M | -1.18% | 3.76% | 0.10% |
| Q3 2025 | $95.4M | $84.9M | $42.9M | $10.3M | $-1.1M | -1.67% | 3.71% | 0.14% |
| Q2 2025 | $86.6M | $76.0M | $43.1M | $10.4M | $-595K | -1.36% | 3.73% | 0.11% |
| Q1 2025 | $87.7M | $76.8M | $44.1M | $10.6M | $-274K | -1.24% | 3.68% | 0.06% |
| Q4 2024 | $88.4M | $77.7M | $42.5M | $10.4M | $-7.2M | -7.95% | 4.06% | 0.06% |
| Q3 2024 | $91.7M | $74.1M | $44.8M | $17.1M | $-1.3M | -1.92% | 4.12% | 0.29% |
Loan mix (Q2 2026): real estate $43.8M · commercial $1.1M · consumer $1.6M · securities $19.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 0.99% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 8.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.6% | 70.8% | 93th |
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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