| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +9.1% | +5.1% | +4.0 pts |
| Loan growth (YoY) | +7.9% | +5.9% | +2.0 pts |
| ROA | 0.99% | 1.26% | -0.3 pts |
| ROE | 9.7% | 12.2% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.54B | $2.25B | $1.91B | $257.5M | $12.2M | 0.99% | 3.27% | 0.80% |
| Q1 2026 | $2.47B | $2.19B | $1.87B | $251.1M | $5.5M | 0.89% | 3.18% | 0.77% |
| Q4 2025 | $2.45B | $2.18B | $1.87B | $247.7M | $21.2M | 0.90% | 3.04% | 0.91% |
| Q3 2025 | $2.34B | $2.07B | $1.80B | $242.0M | $15.8M | 0.90% | 2.99% | 0.93% |
| Q2 2025 | $2.32B | $2.06B | $1.77B | $238.0M | $10.6M | 0.92% | 2.93% | 0.93% |
| Q1 2025 | $2.37B | $2.11B | $1.73B | $232.0M | $5.0M | 0.86% | 2.80% | 0.79% |
| Q4 2024 | $2.28B | $2.04B | $1.76B | $228.1M | $15.9M | 0.72% | 2.71% | 0.82% |
| Q3 2024 | $2.26B | $2.01B | $1.74B | $224.5M | $11.8M | 0.72% | 2.66% | 0.80% |
Loan mix (Q2 2026): real estate $1.66B · commercial $98.9M · consumer $12.9M · securities $140.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 59.0% | 76th |
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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