| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +3.0% | +9.4 pts |
| Deposit growth (YoY) | +17.6% | +2.5% | +15.1 pts |
| Loan growth (YoY) | +44.8% | +2.6% | +42.2 pts |
| ROA | -0.46% | 0.99% | -1.5 pts |
| ROE | -2.6% | 8.1% | -10.7 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.7M | $32.8M | $36.4M | $8.7M | $-114K | -0.46% | 3.23% | 0.08% |
| Q1 2026 | $43.7M | $34.7M | $34.8M | $8.7M | $-74K | -0.55% | 2.95% | 0.20% |
| Q4 2025 | $63.0M | $53.8M | $33.8M | $8.8M | $-213K | -0.49% | 3.74% | 0.05% |
| Q3 2025 | $51.1M | $41.8M | $28.9M | $8.9M | $-123K | -0.42% | 4.19% | 0.00% |
| Q2 2025 | $37.1M | $27.9M | $25.1M | $8.9M | $-77K | -0.44% | 4.51% | 0.00% |
| Q1 2025 | $31.9M | $22.6M | $21.3M | $9.0M | $5K | 0.06% | 4.67% | 0.09% |
| Q4 2024 | $35.3M | $26.0M | $20.6M | $9.0M | $-132K | -0.66% | 3.70% | 0.00% |
| Q3 2024 | $16.3M | $14.4M | $8.3M | $1.6M | $44K | 0.37% | 3.78% | 0.06% |
Loan mix (Q2 2026): real estate $7.0M · commercial $15.8M · consumer $277K · securities $75K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.46% | 0.99% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 8.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.0% | 70.8% | 93th |
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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