| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.5% | -0.1 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.3 pts |
| Loan growth (YoY) | +8.4% | +5.9% | +2.5 pts |
| ROA | 1.49% | 1.26% | +0.2 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.02B | $881.5M | $694.9M | $129.7M | $7.4M | 1.49% | 3.97% | 0.57% |
| Q1 2026 | $993.5M | $858.7M | $685.3M | $127.4M | $3.8M | 1.55% | 3.93% | 0.15% |
| Q4 2025 | $986.2M | $854.1M | $656.4M | $126.6M | $15.2M | 1.57% | 3.87% | 0.14% |
| Q3 2025 | $1.01B | $882.3M | $638.9M | $125.2M | $11.6M | 1.60% | 3.81% | 0.13% |
| Q2 2025 | $966.9M | $841.8M | $640.7M | $120.6M | $7.6M | 1.60% | 3.76% | 0.15% |
| Q1 2025 | $947.1M | $824.6M | $639.4M | $117.3M | $3.7M | 1.58% | 3.65% | 0.16% |
| Q4 2024 | $935.3M | $818.5M | $626.2M | $112.2M | $13.0M | 1.45% | 3.59% | 0.23% |
| Q3 2024 | $958.5M | $841.8M | $589.5M | $112.6M | $9.6M | 1.43% | 3.52% | 0.13% |
Loan mix (Q2 2026): real estate $640.5M · commercial $45.0M · consumer $5.5M · securities $194.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 59.0% | 24th |
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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