| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +4.4% | +11.9 pts |
| Deposit growth (YoY) | +12.6% | +4.0% | +8.6 pts |
| Loan growth (YoY) | +15.9% | +5.6% | +10.3 pts |
| ROA | -0.08% | 1.24% | -1.3 pts |
| ROE | -0.7% | 11.9% | -12.6 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.5M | $71.9M | $89.2M | $11.3M | $-42K | -0.08% | 1.98% | 1.07% |
| Q1 2026 | $100.3M | $70.3M | $78.2M | $11.3M | $-45K | -0.18% | 1.92% | 1.27% |
| Q4 2025 | $100.5M | $67.4M | $71.3M | $11.4M | $111K | 0.11% | 2.13% | 1.29% |
| Q3 2025 | $101.7M | $68.8M | $75.0M | $11.2M | $12K | 0.02% | 2.12% | 0.51% |
| Q2 2025 | $93.4M | $63.9M | $76.9M | $7.8M | $-10K | -0.02% | 2.16% | 0.35% |
| Q1 2025 | $94.1M | $64.8M | $76.6M | $7.8M | $7K | 0.03% | 2.10% | 0.37% |
| Q4 2024 | $94.2M | $65.5M | $75.7M | $7.2M | $-184K | -0.18% | 1.86% | 0.41% |
| Q3 2024 | $106.7M | $70.7M | $79.1M | $6.5M | $-118K | -0.15% | 1.85% | 0.34% |
Loan mix (Q2 2026): real estate $89.0M · commercial $604K · consumer $0 · securities $8.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 62.9% | 98th |
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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