| Metric | Bank Cmg | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.5% | +5.5% | +37.0 pts |
| Deposit growth (YoY) | +44.6% | +5.1% | +39.6 pts |
| Loan growth (YoY) | +40.2% | +5.9% | +34.3 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 9.9% | 12.2% | -2.2 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $935.0M | $780.6M | $94.9M | $4.6M | 0.97% | 4.17% | 0.18% |
| Q1 2026 | $899.8M | $781.8M | $687.2M | $92.4M | $2.2M | 0.96% | 4.31% | 0.08% |
| Q4 2025 | $894.6M | $773.7M | $595.8M | $90.3M | $-495K | -0.07% | 3.84% | 0.11% |
| Q3 2025 | $829.7M | $715.6M | $620.2M | $89.4M | $-1.9M | -0.35% | 3.74% | 0.30% |
| Q2 2025 | $742.5M | $646.4M | $556.8M | $71.3M | $413K | 0.12% | 3.73% | 0.33% |
| Q1 2025 | $667.0M | $572.2M | $504.1M | $65.6M | $246K | 0.15% | 3.63% | 0.43% |
| Q4 2024 | $641.0M | $555.8M | $489.2M | $64.8M | $2.6M | 0.43% | 3.78% | 0.24% |
| Q3 2024 | $642.9M | $558.3M | $433.5M | $65.4M | $2.7M | 0.59% | 3.72% | 0.24% |
Loan mix (Q2 2026): real estate $664.3M · commercial $115.1M · consumer $924K · securities $35.4M
| Ratio | Bank Cmg | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 59.0% | 80th |
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 Cmg | 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 Cmg | 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 Cmg | 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 Cmg | 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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