| Metric | Bravera Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +5.5% | +6.9 pts |
| Deposit growth (YoY) | +12.3% | +5.1% | +7.2 pts |
| Loan growth (YoY) | +16.0% | +5.9% | +10.0 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 13.3% | 12.2% | +1.1 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.81B | $3.34B | $2.74B | $398.1M | $26.4M | 1.37% | 3.62% | 0.68% |
| Q1 2026 | $3.88B | $3.40B | $2.65B | $397.9M | $12.0M | 1.24% | 3.53% | 0.70% |
| Q4 2025 | $3.83B | $3.36B | $2.71B | $394.6M | $42.1M | 1.12% | 3.43% | 0.67% |
| Q3 2025 | $3.45B | $2.98B | $2.45B | $342.3M | $30.9M | 1.20% | 3.36% | 0.93% |
| Q2 2025 | $3.39B | $2.97B | $2.37B | $327.8M | $20.4M | 1.19% | 3.31% | 0.96% |
| Q1 2025 | $3.49B | $3.10B | $2.29B | $317.2M | $9.8M | 1.14% | 3.16% | 1.00% |
| Q4 2024 | $3.39B | $3.01B | $2.30B | $300.8M | $35.4M | 1.09% | 3.02% | 0.85% |
| Q3 2024 | $3.23B | $2.84B | $2.25B | $307.5M | $27.5M | 1.15% | 2.97% | 0.91% |
Loan mix (Q2 2026): real estate $1.59B · commercial $342.8M · consumer $414.3M · securities $825.8M
| Ratio | Bravera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 59.0% | 43th |
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 | Bravera Bank | 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 | Bravera Bank | 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 | Bravera Bank | 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 | Bravera Bank | 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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