| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +5.5% | -2.8 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | +2.5% | +5.9% | -3.4 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 16.4% | 12.2% | +4.2 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.05B | $8.24B | $6.18B | $692.5M | $55.7M | 1.24% | 3.65% | 0.13% |
| Q1 2026 | $9.04B | $8.24B | $6.09B | $681.5M | $28.6M | 1.27% | 3.62% | 0.13% |
| Q4 2025 | $8.98B | $8.18B | $6.03B | $669.9M | $-30.2M | -0.34% | 3.46% | 0.32% |
| Q3 2025 | $8.79B | $8.00B | $6.04B | $645.1M | $-41.5M | -0.61% | 3.41% | 0.13% |
| Q2 2025 | $8.81B | $8.05B | $6.03B | $617.0M | $-61.5M | -1.35% | 3.33% | 0.16% |
| Q1 2025 | $9.16B | $8.24B | $6.01B | $584.0M | $-87.2M | -3.78% | 3.18% | 0.15% |
| Q4 2024 | $9.29B | $8.08B | $6.06B | $546.5M | $12.3M | 0.13% | 2.93% | 0.27% |
| Q3 2024 | $9.27B | $8.04B | $5.98B | $557.1M | $-6.1M | -0.09% | 2.93% | 0.28% |
Loan mix (Q2 2026): real estate $5.47B · commercial $595.0M · consumer $119.3M · securities $1.94B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 59.0% | 56th |
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% |
The full ratio pack is part of CharterBench Pro.