| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +36.7% | +5.9% | +30.8 pts |
| Deposit growth (YoY) | +40.7% | +5.7% | +35.0 pts |
| Loan growth (YoY) | +43.1% | +6.9% | +36.2 pts |
| ROA | 1.06% | 1.23% | -0.2 pts |
| ROE | 8.9% | 11.2% | -2.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.98B | $9.00B | $7.91B | $1.33B | $47.4M | 1.06% | 4.20% | 0.89% |
| Q1 2026 | $7.91B | $6.34B | $5.34B | $935.2M | $31.7M | 1.60% | 4.13% | 1.03% |
| Q4 2025 | $7.90B | $6.41B | $5.32B | $923.5M | $133.1M | 1.69% | 4.27% | 0.97% |
| Q3 2025 | $7.87B | $6.42B | $5.49B | $891.0M | $99.0M | 1.67% | 4.25% | 1.17% |
| Q2 2025 | $8.04B | $6.40B | $5.52B | $880.4M | $64.5M | 1.64% | 4.25% | 1.10% |
| Q1 2025 | $7.83B | $6.55B | $5.58B | $858.8M | $31.0M | 1.59% | 4.25% | 0.86% |
| Q4 2024 | $7.80B | $6.52B | $5.61B | $831.1M | $54.0M | 0.88% | 4.15% | 0.53% |
| Q3 2024 | $7.86B | $6.61B | $5.51B | $832.9M | $29.8M | 0.69% | 4.06% | 0.49% |
Loan mix (Q2 2026): real estate $7.20B · commercial $740.0M · consumer $40.9M · securities $1.96B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | — | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | — | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | — |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | — | 82th |
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% |
The full ratio pack is part of CharterBench Pro.