| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.0% | -1.0 pts |
| Deposit growth (YoY) | -6.7% | +2.5% | -9.2 pts |
| Loan growth (YoY) | +6.2% | +2.6% | +3.6 pts |
| ROA | -1.75% | 0.99% | -2.7 pts |
| ROE | -18.9% | 8.1% | -27.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.3M | $59.4M | $65.0M | $6.8M | $-669K | -1.75% | 5.01% | 0.00% |
| Q1 2026 | $76.5M | $69.0M | $64.7M | $7.0M | $-457K | -2.36% | 4.87% | 0.00% |
| Q4 2025 | $78.3M | $62.7M | $68.3M | $7.5M | $-1.8M | -2.43% | 5.75% | 0.00% |
| Q3 2025 | $71.2M | $62.1M | $60.4M | $8.4M | $-780K | -1.46% | 6.00% | 0.00% |
| Q2 2025 | $72.8M | $63.7M | $61.2M | $8.4M | $-761K | -2.15% | 4.76% | 1.19% |
| Q1 2025 | $71.3M | $61.9M | $55.1M | $8.8M | $-345K | -1.97% | 4.49% | 1.22% |
| Q4 2024 | $68.6M | $56.0M | $56.8M | $9.0M | $-1.5M | -2.11% | 4.45% | 2.52% |
| Q3 2024 | $67.6M | $51.9M | $53.8M | $9.8M | $-839K | -1.58% | 4.43% | 2.58% |
Loan mix (Q2 2026): real estate $45.2M · commercial $20.5M · consumer $59K · securities $5.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.75% | 0.99% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -18.9% | 8.1% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 135.2% | 70.8% | 95th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 2 states (+0 vs 2024) · $63.7M branch deposits. Biggest market: Maricopa, AZ, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maricopa, AZ | 3 | $56.9M | 0.03% | 74th |
| Clark, NV | 1 | $6.8M | 0.01% | 55th |
Arizona: 92nd with 0.02% · Nevada: 69th with 0.00% · Phoenix-Mesa-Chandler metro: 76th, 0.03% · Las Vegas-Henderson-North Las Vegas metro: 55th, 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4