| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.5% | -5.7 pts |
| Deposit growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Loan growth (YoY) | +1.8% | +5.9% | -4.2 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.68B | $6.92B | $8.17B | $978.0M | $43.9M | 0.90% | 2.31% | 0.53% |
| Q1 2026 | $9.84B | $7.01B | $8.12B | $982.5M | $20.3M | 0.82% | 2.27% | 0.56% |
| Q4 2025 | $9.80B | $6.82B | $8.18B | $994.5M | $73.5M | 0.76% | 2.07% | 0.50% |
| Q3 2025 | $9.79B | $6.69B | $8.11B | $998.0M | $52.8M | 0.73% | 2.01% | 0.49% |
| Q2 2025 | $9.70B | $6.50B | $8.03B | $995.6M | $33.9M | 0.70% | 1.95% | 0.50% |
| Q1 2025 | $9.74B | $6.47B | $7.88B | $975.6M | $15.5M | 0.64% | 1.92% | 0.11% |
| Q4 2024 | $9.55B | $6.29B | $7.96B | $954.3M | $50.7M | 0.53% | 1.81% | 0.12% |
| Q3 2024 | $9.54B | $6.26B | $7.91B | $948.8M | $35.2M | 0.49% | 1.79% | 0.11% |
Loan mix (Q2 2026): real estate $7.92B · commercial $262.0M · consumer $6.2M · securities $783.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 59.0% | 30th |
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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