| Metric | Carter Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | -0.8% | +5.1% | -5.8 pts |
| Loan growth (YoY) | +0.1% | +5.9% | -5.8 pts |
| ROA | 3.66% | 1.26% | +2.4 pts |
| ROE | 37.1% | 12.2% | +25.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.80B | $4.20B | $3.68B | $541.9M | $88.0M | 3.66% | 3.33% | 0.85% |
| Q1 2026 | $4.78B | $4.24B | $3.68B | $482.0M | $85.6M | 7.13% | 3.15% | 0.57% |
| Q4 2025 | $4.83B | $4.21B | $3.81B | $397.6M | $34.2M | 0.72% | 2.92% | 5.05% |
| Q3 2025 | $4.84B | $4.22B | $3.76B | $404.2M | $25.0M | 0.70% | 2.88% | 5.35% |
| Q2 2025 | $4.78B | $4.23B | $3.68B | $394.7M | $18.8M | 0.80% | 2.82% | 5.28% |
| Q1 2025 | $4.69B | $4.20B | $3.61B | $394.3M | $9.5M | 0.82% | 2.74% | 5.58% |
| Q4 2024 | $4.65B | $4.15B | $3.55B | $377.4M | $27.0M | 0.59% | 2.68% | 5.59% |
| Q3 2024 | $4.61B | $4.09B | $3.52B | $383.0M | $18.1M | 0.53% | 2.68% | 6.27% |
Loan mix (Q2 2026): real estate $3.45B · commercial $172.2M · consumer $25.1M · securities $653.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Carter Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.66% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 37.1% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.5% | 59.0% | 7th |
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 | Carter Bank & Trust | 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 | Carter Bank & Trust | 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 | Carter Bank & Trust | 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 | Carter Bank & Trust | 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.