| Metric | Bank Independent | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.5% | -2.7 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +0.3% | +5.9% | -5.6 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 6.5% | 12.2% | -5.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.86B | $2.47B | $1.83B | $292.2M | $9.3M | 0.63% | 4.53% | 0.15% |
| Q1 2026 | $2.95B | $2.56B | $1.82B | $293.5M | $6.9M | 0.93% | 4.85% | 0.40% |
| Q4 2025 | $3.01B | $2.62B | $1.79B | $266.6M | $28.9M | 1.01% | 4.87% | 0.14% |
| Q3 2025 | $2.86B | $2.47B | $1.81B | $259.1M | $21.2M | 1.01% | 4.92% | 0.15% |
| Q2 2025 | $2.78B | $2.38B | $1.83B | $250.5M | $14.1M | 1.01% | 4.89% | 0.17% |
| Q1 2025 | $2.79B | $2.39B | $1.84B | $244.0M | $6.5M | 0.92% | 4.75% | 0.22% |
| Q4 2024 | $2.81B | $2.41B | $1.82B | $237.2M | $25.8M | 0.95% | 4.76% | 0.25% |
| Q3 2024 | $2.73B | $2.33B | $1.85B | $235.2M | $19.1M | 0.94% | 4.76% | 0.18% |
Loan mix (Q2 2026): real estate $1.41B · commercial $424.4M · consumer $23.2M · securities $457.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank Independent | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 59.0% | 93th |
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 Independent | 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 Independent | 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 Independent | 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 Independent | 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.