| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +5.5% | -7.9 pts |
| Deposit growth (YoY) | -2.6% | +5.1% | -7.7 pts |
| Loan growth (YoY) | +8.1% | +5.9% | +2.2 pts |
| ROA | -1.45% | 1.26% | -2.7 pts |
| ROE | 0.0% | 12.2% | -12.2 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.48B | $1.35B | $306.6M | $-23.5M | $-10.8M | -1.45% | -0.37% | 0.19% |
| Q1 2026 | $1.49B | $1.35B | $300.1M | $-17.1M | $-5.1M | -1.37% | -0.41% | 0.17% |
| Q4 2025 | $1.50B | $1.36B | $278.9M | $-7.0M | $-22.1M | -1.43% | -0.45% | 0.10% |
| Q3 2025 | $1.50B | $1.36B | $289.2M | $-9.3M | $-17.1M | -1.47% | -0.46% | 0.13% |
| Q2 2025 | $1.52B | $1.39B | $283.6M | $-25.5M | $-12.0M | -1.53% | -0.49% | 0.10% |
| Q1 2025 | $1.58B | $1.45B | $284.6M | $-30.2M | $-6.4M | -1.60% | -0.54% | 0.09% |
| Q4 2024 | $1.62B | $1.52B | $272.1M | $-52.4M | $-28.1M | -1.85% | -0.80% | 0.06% |
| Q3 2024 | $1.67B | $1.52B | $255.9M | $-4.0M | $-21.4M | -1.90% | -0.79% | 0.06% |
Loan mix (Q2 2026): real estate $294.7M · commercial $10.7M · consumer $792K · securities $1.03B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.45% | 1.26% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | — | Not enough history yet. | 12.2% | — |
Net interest margin Interest income − interest expense, ÷ assets | -0.37% | 3.70% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% |
Peer lists, growth filters, CSV export, CRM push.
| 59.0% |
0th |
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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