| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | -6.5% | +5.1% | -11.5 pts |
| Loan growth (YoY) | +2.1% | +5.9% | -3.9 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 11.5% | 12.2% | -0.7 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.46B | $3.68B | $3.46B | $423.2M | $24.7M | 1.11% | 3.45% | 0.19% |
| Q1 2026 | $4.50B | $4.01B | $3.40B | $437.5M | $13.6M | 1.22% | 3.45% | 0.10% |
| Q4 2025 | $4.42B | $3.94B | $3.42B | $429.4M | $44.2M | 1.00% | 3.21% | 0.19% |
| Q3 2025 | $4.58B | $4.10B | $3.41B | $415.6M | $30.2M | 0.91% | 3.15% | 0.14% |
| Q2 2025 | $4.41B | $3.93B | $3.39B | $408.4M | $17.4M | 0.79% | 3.11% | 0.14% |
| Q1 2025 | $4.44B | $3.97B | $3.38B | $404.5M | $6.4M | 0.58% | 3.06% | 0.43% |
| Q4 2024 | $4.29B | $3.83B | $3.36B | $400.6M | $30.3M | 0.68% | 2.67% | 0.49% |
| Q3 2024 | $3.51B | $3.12B | $2.34B | $292.8M | $19.0M | 0.75% | 2.71% | 0.57% |
Loan mix (Q2 2026): real estate $2.24B · commercial $140.8M · consumer $1.08B · securities $566.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 59.0% | 55th |
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.