| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +5.5% | +5.0 pts |
| Deposit growth (YoY) | +15.0% | +5.1% | +10.0 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.4 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 12.0% | 12.2% | -0.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.17B | $4.14B | $3.87B | $527.8M | $31.4M | 1.27% | 3.24% | 3.60% |
| Q1 2026 | $4.93B | $3.84B | $3.85B | $516.6M | $14.3M | 1.18% | 3.21% | 4.05% |
| Q4 2025 | $4.77B | $3.67B | $3.76B | $519.7M | $48.2M | 1.04% | 3.25% | 4.27% |
| Q3 2025 | $4.85B | $3.76B | $3.76B | $533.9M | $39.2M | 1.13% | 3.21% | 3.72% |
| Q2 2025 | $4.68B | $3.60B | $3.67B | $511.6M | $22.3M | 0.99% | 3.15% | 3.57% |
| Q1 2025 | $4.54B | $3.47B | $3.49B | $496.8M | $8.4M | 0.76% | 3.04% | 4.06% |
| Q4 2024 | $4.35B | $3.26B | $3.42B | $482.8M | $37.3M | 0.87% | 3.13% | 4.98% |
| Q3 2024 | $4.44B | $3.38B | $3.40B | $486.2M | $28.4M | 0.89% | 3.09% | 4.58% |
Loan mix (Q2 2026): real estate $1.69B · commercial $1.62B · consumer $372.3M · securities $489.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 59.0% | 76th |
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% |
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