| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.5% | -3.7 pts |
| Deposit growth (YoY) | +1.1% | +5.1% | -4.0 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -1.9 pts |
| ROA | 1.45% | 1.26% | +0.2 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.02B | $3.36B | $3.08B | $618.6M | $29.3M | 1.45% | 4.75% | 0.44% |
| Q1 2026 | $4.05B | $3.40B | $2.96B | $604.1M | $14.4M | 1.42% | 4.67% | 0.97% |
| Q4 2025 | $4.03B | $3.39B | $3.02B | $591.8M | $66.6M | 1.66% | 4.79% | 0.40% |
| Q3 2025 | $4.10B | $3.48B | $2.96B | $574.3M | $49.7M | 1.65% | 4.80% | 0.38% |
| Q2 2025 | $3.95B | $3.33B | $2.96B | $584.9M | $33.1M | 1.66% | 4.82% | 0.46% |
| Q1 2025 | $3.98B | $3.35B | $3.03B | $597.6M | $17.9M | 1.79% | 4.83% | 0.68% |
| Q4 2024 | $4.03B | $3.40B | $3.11B | $577.1M | $7.8M | 0.26% | 4.51% | 0.76% |
| Q3 2024 | $4.36B | $3.75B | $3.18B | $562.6M | $-9.8M | -0.46% | 4.14% | 0.68% |
Loan mix (Q2 2026): real estate $2.47B · commercial $568.5M · consumer $18.5M · securities $361.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 59.0% | 32th |
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.