| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.9% | +1.1 pts |
| Deposit growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +7.1% | +5.3% | +1.7 pts |
| ROA | 1.40% | 1.28% | +0.1 pts |
| ROE | 14.8% | 12.4% | +2.3 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $866.6M | $714.0M | $654.1M | $85.7M | $6.1M | 1.40% | 3.99% | 0.10% |
| Q1 2026 | $881.6M | $742.2M | $648.8M | $82.4M | $2.8M | 1.29% | 3.88% | 0.08% |
| Q4 2025 | $883.1M | $740.1M | $614.5M | $80.4M | $10.2M | 1.22% | 3.82% | 0.09% |
| Q3 2025 | $828.3M | $698.0M | $604.7M | $77.5M | $7.1M | 1.16% | 3.79% | 0.11% |
| Q2 2025 | $817.3M | $690.4M | $611.0M | $74.3M | $4.5M | 1.09% | 3.75% | 0.16% |
| Q1 2025 | $840.9M | $715.3M | $604.5M | $72.8M | $2.3M | 1.13% | 3.65% | 0.12% |
| Q4 2024 | $813.3M | $693.4M | $613.0M | $70.4M | $9.2M | 1.15% | 3.68% | 0.13% |
| Q3 2024 | $802.7M | $687.3M | $600.0M | $69.4M | $6.9M | 1.15% | 3.64% | 0.13% |
Loan mix (Q2 2026): real estate $461.6M · commercial $71.7M · consumer $131.7M · securities $121.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 61.2% | 37th |
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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