| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +5.5% | +2.3 pts |
| Deposit growth (YoY) | +9.2% | +5.1% | +4.1 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.5 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 7.4% | 12.2% | -4.8 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.23B | $2.68B | $2.46B | $470.6M | $17.2M | 1.05% | 3.53% | 0.81% |
| Q1 2026 | $3.28B | $2.73B | $2.45B | $464.2M | $8.4M | 1.01% | 3.37% | 0.88% |
| Q4 2025 | $3.32B | $2.78B | $2.40B | $460.4M | $25.1M | 0.82% | 3.43% | 0.65% |
| Q3 2025 | $3.15B | $2.60B | $2.41B | $430.3M | $17.0M | 0.76% | 3.41% | 0.65% |
| Q2 2025 | $3.00B | $2.46B | $2.33B | $421.1M | $9.3M | 0.63% | 3.36% | 0.59% |
| Q1 2025 | $2.94B | $2.40B | $2.28B | $417.3M | $5.4M | 0.73% | 3.23% | 0.91% |
| Q4 2024 | $2.93B | $2.39B | $2.28B | $407.1M | $22.1M | 0.81% | 3.28% | 0.59% |
| Q3 2024 | $2.83B | $2.29B | $2.01B | $412.3M | $16.9M | 0.84% | 3.30% | 0.62% |
Loan mix (Q2 2026): real estate $1.85B · commercial $559.9M · consumer $25.3M · securities $382.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 59.0% | 62th |
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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