| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +5.4% | +5.1% | +0.4 pts |
| Loan growth (YoY) | +0.6% | +5.9% | -5.3 pts |
| ROA | 2.08% | 1.26% | +0.8 pts |
| ROE | 13.9% | 12.2% | +1.7 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.33B | $2.80B | $2.46B | $504.4M | $34.1M | 2.08% | 5.25% | 0.51% |
| Q1 2026 | $3.27B | $2.74B | $2.47B | $492.9M | $16.6M | 2.04% | 5.10% | 0.52% |
| Q4 2025 | $3.22B | $2.71B | $2.49B | $477.8M | $60.0M | 1.92% | 4.98% | 0.54% |
| Q3 2025 | $3.21B | $2.72B | $2.48B | $463.3M | $42.2M | 1.82% | 4.91% | 0.50% |
| Q2 2025 | $3.13B | $2.65B | $2.45B | $445.4M | $26.2M | 1.71% | 4.84% | 0.48% |
| Q1 2025 | $3.12B | $2.65B | $2.41B | $433.2M | $11.7M | 1.55% | 4.66% | 0.43% |
| Q4 2024 | $2.92B | $2.48B | $2.33B | $419.5M | $46.9M | 1.64% | 4.50% | 0.40% |
| Q3 2024 | $2.92B | $2.46B | $2.29B | $410.4M | $33.4M | 1.57% | 4.41% | 0.38% |
Loan mix (Q2 2026): real estate $2.12B · commercial $211.6M · consumer $120.8M · securities $466.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 59.0% | 27th |
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.