| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 4.3% | 12.2% | -7.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.26B | $2.64B | $2.71B | $469.0M | $9.9M | 0.63% | 3.40% | 0.50% |
| Q1 2026 | $3.16B | $2.64B | $2.63B | $465.7M | $5.5M | 0.70% | 3.37% | 0.50% |
| Q4 2025 | $3.12B | $2.55B | $2.63B | $461.5M | $18.3M | 0.60% | 3.29% | 0.55% |
| Q3 2025 | $3.09B | $2.59B | $2.54B | $452.6M | $13.9M | 0.61% | 3.24% | 0.51% |
| Q2 2025 | $2.99B | $2.51B | $2.48B | $444.1M | $8.1M | 0.54% | 3.13% | 0.53% |
| Q1 2025 | $3.03B | $2.55B | $2.40B | $438.4M | $2.7M | 0.36% | 3.02% | 0.52% |
| Q4 2024 | $3.00B | $2.52B | $2.42B | $431.4M | $14.0M | 0.45% | 2.68% | 0.56% |
| Q3 2024 | $3.07B | $2.54B | $2.39B | $423.9M | $15.3M | 0.66% | 2.56% | 0.55% |
Loan mix (Q2 2026): real estate $2.28B · commercial $203.0M · consumer $246.4M · securities $310.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 59.0% | 91th |
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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