| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.0% | +0.6 pts |
| Deposit growth (YoY) | +8.1% | +2.5% | +5.7 pts |
| Loan growth (YoY) | -5.2% | +2.6% | -7.8 pts |
| ROA | 0.33% | 0.99% | -0.7 pts |
| ROE | 2.1% | 8.1% | -6.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.5M | $5.1M | $2.2M | $1.1M | $11K | 0.33% | 2.85% | 0.00% |
| Q1 2026 | $6.9M | $5.5M | $2.3M | $1.1M | $14K | 0.83% | 2.95% | 0.00% |
| Q4 2025 | $6.6M | $5.2M | $2.3M | $1.1M | $-51K | -0.77% | 3.37% | 0.00% |
| Q3 2025 | $7.3M | $5.8M | $2.3M | $1.0M | $-78K | -1.56% | 3.55% | 0.00% |
| Q2 2025 | $6.3M | $4.7M | $2.4M | $1.0M | $-69K | -2.14% | 3.67% | 0.00% |
| Q1 2025 | $6.6M | $4.9M | $2.4M | $1.1M | $-29K | -1.77% | 3.84% | 0.00% |
| Q4 2024 | $6.5M | $5.2M | $2.4M | $1.1M | $-731K | -10.54% | 5.23% | 0.00% |
| Q3 2024 | $6.5M | $4.8M | $2.4M | $459K | $-1.1M | -21.19% | 5.86% | 0.00% |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $0 · securities $364K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.99% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 70.8% | 87th |
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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