| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +5.5% | +9.9 pts |
| Deposit growth (YoY) | +14.8% | +5.1% | +9.8 pts |
| Loan growth (YoY) | +13.1% | +5.9% | +7.2 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 13.5% | 12.2% | +1.3 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.84B | $3.39B | $3.02B | $349.5M | $23.1M | 1.24% | 5.64% | 1.75% |
| Q1 2026 | $3.76B | $3.31B | $2.95B | $340.1M | $10.6M | 1.16% | 5.64% | 1.65% |
| Q4 2025 | $3.55B | $3.11B | $2.89B | $334.8M | $50.2M | 1.51% | 6.16% | 1.72% |
| Q3 2025 | $3.33B | $2.94B | $2.74B | $324.5M | $36.7M | 1.49% | 6.21% | 1.74% |
| Q2 2025 | $3.33B | $2.95B | $2.67B | $315.2M | $23.8M | 1.46% | 6.02% | 1.10% |
| Q1 2025 | $3.28B | $2.90B | $2.62B | $307.1M | $12.2M | 1.52% | 5.99% | 1.33% |
| Q4 2024 | $3.14B | $2.77B | $2.56B | $292.2M | $30.6M | 1.22% | 6.38% | 0.99% |
| Q3 2024 | $2.50B | $2.19B | $2.05B | $228.0M | $22.4M | 1.28% | 6.46% | 0.65% |
Loan mix (Q2 2026): real estate $2.14B · commercial $730.8M · consumer $144.7M · securities $219.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 59.0% | 77th |
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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