| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +5.9% | +6.5 pts |
| Deposit growth (YoY) | +19.3% | +5.7% | +13.6 pts |
| Loan growth (YoY) | +8.5% | +6.9% | +1.5 pts |
| ROA | 2.29% | 1.23% | +1.1 pts |
| ROE | 17.1% | 11.2% | +5.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.80B | $9.52B | $10.19B | $1.76B | $151.0M | 2.29% | 3.04% | 0.07% |
| Q1 2026 | $13.01B | $8.70B | $9.80B | $1.81B | $73.0M | 2.26% | 3.02% | 0.06% |
| Q4 2025 | $12.81B | $8.62B | $9.62B | $1.74B | $286.7M | 2.31% | 3.07% | 0.09% |
| Q3 2025 | $12.47B | $8.07B | $9.41B | $1.81B | $215.3M | 2.33% | 3.06% | 0.07% |
| Q2 2025 | $12.28B | $7.99B | $9.39B | $1.74B | $146.3M | 2.38% | 3.04% | 0.07% |
| Q1 2025 | $12.29B | $8.07B | $9.41B | $1.92B | $75.7M | 2.47% | 3.06% | 0.08% |
| Q4 2024 | $12.24B | $8.20B | $9.34B | $1.84B | $269.0M | 2.23% | 2.98% | 0.10% |
| Q3 2024 | $11.94B | $7.61B | $9.07B | $1.78B | $197.8M | 2.19% | 2.95% | 0.11% |
Loan mix (Q2 2026): real estate $21.0M · commercial $0 · consumer $10.21B · securities $2.84B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.23% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.3% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 17.1% | 54.9% | 4th |
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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