| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +5.9% | -6.2 pts |
| Deposit growth (YoY) | +0.5% | +5.7% | -5.2 pts |
| Loan growth (YoY) | -4.5% | +6.9% | -11.5 pts |
| ROA | 0.90% | 1.23% | -0.3 pts |
| ROE | 9.1% | 11.2% | -2.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.27B | $8.36B | $6.78B | $986.3M | $44.9M | 0.90% | 3.57% | 1.82% |
| Q1 2026 | $9.88B | $7.95B | $6.67B | $979.1M | $21.5M | 0.87% | 3.58% | 1.94% |
| Q4 2025 | $9.76B | $7.80B | $6.62B | $978.4M | $64.5M | 0.64% | 3.92% | 1.92% |
| Q3 2025 | $10.39B | $8.34B | $6.85B | $983.4M | $57.3M | 0.75% | 3.89% | 1.35% |
| Q2 2025 | $10.31B | $8.32B | $7.10B | $986.9M | $40.2M | 0.79% | 3.84% | 0.95% |
| Q1 2025 | $10.15B | $8.24B | $7.12B | $958.3M | $15.2M | 0.61% | 3.80% | 1.39% |
| Q4 2024 | $9.88B | $7.95B | $7.19B | $930.4M | $-3.8M | -0.04% | 3.68% | 1.24% |
| Q3 2024 | $10.34B | $8.22B | $7.48B | $936.1M | $-23.8M | -0.32% | 3.59% | 1.25% |
Loan mix (Q2 2026): real estate $5.08B · commercial $1.49B · consumer $209.4M · securities $2.55B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.23% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.3% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 54.9% | 83th |
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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