| Metric | Bank 7 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.5% | -1.2 pts |
| Deposit growth (YoY) | +2.7% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +6.8% | +5.9% | +0.9 pts |
| ROA | 2.10% | 1.26% | +0.8 pts |
| ROE | 15.8% | 12.2% | +3.6 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 | $1.91B | $1.64B | $1.58B | $265.3M | $20.4M | 2.10% | 5.00% | 0.35% |
| Q1 2026 | $1.94B | $1.67B | $1.58B | $258.8M | $12.0M | 2.46% | 5.21% | 0.50% |
| Q4 2025 | $1.96B | $1.70B | $1.59B | $249.9M | $43.1M | 2.34% | 5.03% | 0.35% |
| Q3 2025 | $1.89B | $1.64B | $1.52B | $240.7M | $32.3M | 2.38% | 5.09% | 0.31% |
| Q2 2025 | $1.84B | $1.59B | $1.48B | $230.8M | $21.4M | 2.40% | 5.03% | 0.32% |
| Q1 2025 | $1.78B | $1.55B | $1.41B | $220.6M | $10.3M | 2.35% | 4.98% | 0.35% |
| Q4 2024 | $1.74B | $1.52B | $1.38B | $212.2M | $45.7M | 2.62% | 5.20% | 0.43% |
| Q3 2024 | $1.74B | $1.52B | $1.42B | $203.1M | $34.6M | 2.65% | 5.18% | 0.46% |
Loan mix (Q2 2026): real estate $1.02B · commercial $543.2M · consumer $6.9M · securities $51.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank 7 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 59.0% | 12th |
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 | Bank 7 | 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 | Bank 7 | 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 | Bank 7 | 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 | Bank 7 | 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.