| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +3.0% | -4.0 pts |
| Deposit growth (YoY) | -1.4% | +2.5% | -3.9 pts |
| Loan growth (YoY) | -12.0% | +2.6% | -14.6 pts |
| ROA | 0.28% | 0.99% | -0.7 pts |
| ROE | 1.1% | 8.1% | -6.9 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.2M | $21.2M | $9.1M | $6.9M | $39K | 0.28% | 3.14% | 0.00% |
| Q1 2026 | $28.3M | $21.5M | $10.1M | $6.8M | $15K | 0.21% | 3.08% | 0.00% |
| Q4 2025 | $27.9M | $21.0M | $10.1M | $6.8M | $37K | 0.13% | 3.18% | 0.00% |
| Q3 2025 | $28.2M | $21.3M | $10.4M | $6.9M | $72K | 0.34% | 3.17% | 0.00% |
| Q2 2025 | $28.5M | $21.5M | $10.4M | $6.8M | $63K | 0.44% | 3.17% | 0.00% |
| Q1 2025 | $28.5M | $21.6M | $10.1M | $6.8M | $35K | 0.49% | 3.20% | 0.00% |
| Q4 2024 | $28.2M | $21.4M | $10.3M | $6.8M | $93K | 0.32% | 2.99% | 0.00% |
| Q3 2024 | $28.9M | $22.0M | $10.4M | $6.8M | $118K | 0.53% | 3.00% | 0.00% |
Loan mix (Q2 2026): real estate $8.1M · commercial $87K · consumer $738K · securities $15.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.99% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 8.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 70.8% | 84th |
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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