| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +3.0% | -9.4 pts |
| Deposit growth (YoY) | -5.2% | +2.5% | -7.7 pts |
| Loan growth (YoY) | -4.6% | +2.6% | -7.2 pts |
| ROA | -2.65% | 0.99% | -3.6 pts |
| ROE | -15.7% | 8.1% | -23.7 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 | $48.4M | $40.2M | $26.9M | $8.1M | $-657K | -2.65% | 5.22% | 6.38% |
| Q1 2026 | $49.8M | $41.4M | $27.1M | $8.3M | $-475K | -3.78% | 5.09% | 6.09% |
| Q4 2025 | $50.7M | $41.7M | $26.8M | $8.8M | $-326K | -0.63% | 5.85% | 6.92% |
| Q3 2025 | $51.0M | $41.7M | $27.7M | $9.0M | $-100K | -0.25% | 5.96% | 6.93% |
| Q2 2025 | $51.7M | $42.4M | $28.2M | $9.0M | $-104K | -0.39% | 5.97% | 7.39% |
| Q1 2025 | $53.7M | $44.3M | $29.9M | $9.0M | $-101K | -0.76% | 5.94% | 6.55% |
| Q4 2024 | $53.3M | $43.8M | $31.1M | $9.0M | $3K | 0.01% | 6.43% | 7.35% |
| Q3 2024 | $57.2M | $47.5M | $31.0M | $9.3M | $158K | 0.37% | 6.52% | 6.43% |
Loan mix (Q2 2026): real estate $19.2M · commercial $7.9M · consumer $244K · securities $4.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.65% | 0.99% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -15.7% | 8.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 126.1% | 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 |
|---|---|---|---|---|
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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