| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +0.7% | +5.9% | -5.3 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 16.0% | 12.2% | +3.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.69B | $2.27B | $2.06B | $265.5M | $21.3M | 1.62% | 3.61% | 0.36% |
| Q1 2026 | $2.66B | $2.26B | $2.05B | $272.2M | $12.2M | 1.89% | 3.61% | 0.32% |
| Q4 2025 | $2.52B | $2.13B | $1.96B | $262.3M | $36.9M | 1.47% | 3.75% | 0.37% |
| Q3 2025 | $2.50B | $2.11B | $1.96B | $259.7M | $24.9M | 1.33% | 3.76% | 0.42% |
| Q2 2025 | $2.57B | $2.18B | $2.04B | $261.3M | $18.1M | 1.44% | 3.79% | 0.59% |
| Q1 2025 | $2.47B | $2.09B | $2.00B | $256.2M | $9.6M | 1.55% | 3.85% | 0.55% |
| Q4 2024 | $2.49B | $2.10B | $1.93B | $253.8M | $33.4M | 1.39% | 3.71% | 0.46% |
| Q3 2024 | $2.45B | $2.08B | $1.89B | $251.3M | $26.7M | 1.49% | 3.73% | 0.42% |
Loan mix (Q2 2026): real estate $734.1M · commercial $953.0M · consumer $205.2M · securities $402.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 59.0% | 46th |
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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