| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +3.0% | -9.2 pts |
| Deposit growth (YoY) | -6.5% | +2.5% | -9.0 pts |
| Loan growth (YoY) | -8.0% | +2.6% | -10.6 pts |
| ROA | -2.26% | 0.99% | -3.3 pts |
| ROE | -8.8% | 8.1% | -16.9 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 | $8.6M | $6.4M | $6.2M | $2.2M | $-99K | -2.26% | 3.82% | 0.97% |
| Q1 2026 | $8.7M | $6.5M | $6.4M | $2.2M | $-68K | -3.08% | 3.70% | 0.37% |
| Q4 2025 | $8.9M | $6.6M | $6.7M | $2.3M | $13K | 0.14% | 3.98% | 0.36% |
| Q3 2025 | $9.0M | $6.6M | $6.6M | $2.3M | $58K | 0.84% | 3.96% | 0.14% |
| Q2 2025 | $9.2M | $6.8M | $6.7M | $2.3M | $30K | 0.65% | 4.01% | 0.14% |
| Q1 2025 | $9.3M | $7.0M | $6.8M | $2.3M | $15K | 0.64% | 4.06% | 1.08% |
| Q4 2024 | $9.3M | $7.0M | $6.8M | $2.3M | $-23K | -0.24% | 4.40% | 0.00% |
| Q3 2024 | $9.3M | $7.0M | $6.8M | $2.3M | $-43K | -0.59% | 3.98% | 0.00% |
Loan mix (Q2 2026): real estate $6.1M · commercial $0 · consumer $107K · securities $156K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.26% | 0.99% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -8.8% | 8.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.7% | 70.8% | 94th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $6.8M branch deposits. Biggest market: Harrison, OH, ranked 6th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, OH | 1 | $6.8M | 2.15% | 6th |
Ohio: 371st with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1