| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +5.5% | +1.5 pts |
| Deposit growth (YoY) | +8.3% | +5.1% | +3.3 pts |
| Loan growth (YoY) | +28.2% | +5.9% | +22.2 pts |
| ROA | 2.88% | 1.26% | +1.6 pts |
| ROE | 38.2% | 12.2% | +26.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.16B | $3.20B | $1.04B | $415.2M | $76.7M | 2.88% | 0.77% | 0.00% |
| Q1 2026 | $5.41B | $4.49B | $954.2M | $405.0M | $36.4M | 2.46% | 0.67% | 0.00% |
| Q4 2025 | $6.42B | $5.48B | $926.7M | $384.5M | $139.4M | 2.96% | 0.86% | 0.00% |
| Q3 2025 | $4.38B | $3.40B | $843.5M | $392.0M | $89.7M | 2.80% | 0.98% | 0.00% |
| Q2 2025 | $3.89B | $2.95B | $815.2M | $385.3M | $56.8M | 2.68% | 0.96% | 0.00% |
| Q1 2025 | $5.00B | $3.75B | $781.6M | $375.0M | $26.3M | 2.38% | 0.91% | 0.00% |
| Q4 2024 | $3.84B | $2.90B | $798.4M | $360.5M | $120.7M | 3.94% | 1.76% | 0.00% |
| Q3 2024 | $3.33B | $2.36B | $811.1M | $374.2M | $78.0M | 3.63% | 1.98% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $193.6M · consumer $621.7M · securities $1.97B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.88% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 38.2% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 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 | 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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