| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Deposit growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.9 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 14.6% | 12.4% | +2.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $844.6M | $727.4M | $598.6M | $110.3M | $7.9M | 1.85% | 4.17% | 0.29% |
| Q1 2026 | $830.6M | $714.1M | $588.2M | $108.8M | $3.6M | 1.68% | 4.07% | 0.33% |
| Q4 2025 | $886.4M | $774.3M | $580.2M | $105.5M | $12.3M | 1.51% | 4.05% | 0.23% |
| Q3 2025 | $831.5M | $721.3M | $574.6M | $103.3M | $9.1M | 1.53% | 4.02% | 0.24% |
| Q2 2025 | $805.6M | $698.8M | $578.5M | $100.4M | $5.9M | 1.49% | 3.99% | 0.28% |
| Q1 2025 | $762.8M | $656.3M | $579.6M | $99.1M | $2.6M | 1.35% | 3.88% | 0.34% |
| Q4 2024 | $784.7M | $682.5M | $574.9M | $95.9M | $10.9M | 1.46% | 4.00% | 0.37% |
| Q3 2024 | $742.5M | $635.6M | $586.2M | $95.0M | $7.9M | 1.42% | 4.01% | 0.43% |
Loan mix (Q2 2026): real estate $488.3M · commercial $108.3M · consumer $7.2M · securities $130.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 61.2% | 8th |
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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