| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.0% | +0.3 pts |
| Deposit growth (YoY) | +8.2% | +2.5% | +5.7 pts |
| Loan growth (YoY) | -19.3% | +2.6% | -21.9 pts |
| ROA | 14.18% | 0.99% | +13.2 pts |
| ROE | 20.3% | 8.1% | +12.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.7M | $6.0M | $6.4M | $19.7M | $2.0M | 14.18% | 3.07% | 0.00% |
| Q1 2026 | $27.6M | $6.3M | $5.2M | $19.2M | $789K | 11.41% | 2.70% | 0.00% |
| Q4 2025 | $27.7M | $6.8M | $5.5M | $19.1M | $3.6M | 13.25% | 3.58% | 0.00% |
| Q3 2025 | $27.9M | $6.3M | $8.2M | $19.4M | $2.6M | 12.78% | 3.87% | 0.00% |
| Q2 2025 | $26.8M | $5.6M | $7.9M | $19.0M | $1.6M | 11.78% | 3.84% | 0.00% |
| Q1 2025 | $26.9M | $5.5M | $8.0M | $18.8M | $716K | 10.73% | 4.06% | 0.00% |
| Q4 2024 | $26.5M | $5.9M | $8.0M | $18.1M | $3.2M | 12.69% | 3.39% | 0.00% |
| Q3 2024 | $27.0M | $5.5M | $7.5M | $18.4M | $2.2M | 11.64% | 3.17% | 0.00% |
Loan mix (Q2 2026): real estate $1.0M · commercial $500K · consumer $2.8M · securities $14.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 14.18% | 0.99% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 8.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 70.8% | 34th |
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.
Spends 25.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $6.0M branch deposits. Biggest market: Philadelphia, PA, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 1 | $6.0M | 0.01% | 55th |
Pennsylvania: 390th with 0.00% · Philadelphia-Camden-Wilmington metro: 149th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1