| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.6% | +3.0% | -12.6 pts |
| Deposit growth (YoY) | -8.8% | +2.5% | -11.3 pts |
| Loan growth (YoY) | -2.0% | +2.6% | -4.6 pts |
| ROA | -1.84% | 0.99% | -2.8 pts |
| ROE | -23.2% | 8.1% | -31.3 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.9M | $22.0M | $19.9M | $1.8M | $-229K | -1.84% | 4.53% | 1.06% |
| Q1 2026 | $25.0M | $23.0M | $19.5M | $2.0M | $-102K | -1.61% | 4.34% | 0.94% |
| Q4 2025 | $25.6M | $23.5M | $19.7M | $2.1M | $-333K | -1.20% | 4.10% | 0.86% |
| Q3 2025 | $27.8M | $25.5M | $19.9M | $2.2M | $-214K | -1.01% | 3.99% | 0.47% |
| Q2 2025 | $26.4M | $24.1M | $20.3M | $2.2M | $-167K | -1.17% | 3.96% | 0.48% |
| Q1 2025 | $28.8M | $26.3M | $20.5M | $2.4M | $-13K | -0.18% | 3.77% | 0.43% |
| Q4 2024 | $30.1M | $27.5M | $20.9M | $2.3M | $79K | 0.28% | 3.70% | 0.97% |
| Q3 2024 | $28.2M | $25.5M | $21.0M | $2.4M | $50K | 0.24% | 3.71% | 0.01% |
Loan mix (Q2 2026): real estate $12.8M · commercial $1.5M · consumer $5.6M · securities $1.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.84% | 0.99% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -23.2% | 8.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 142.3% | 70.8% | 95th |
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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