| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +5.5% | +3.1 pts |
| Deposit growth (YoY) | +10.1% | +5.1% | +5.1 pts |
| Loan growth (YoY) | +8.8% | +5.9% | +2.9 pts |
| ROA | 2.72% | 1.26% | +1.5 pts |
| ROE | 16.4% | 12.2% | +4.2 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.90B | $2.08B | $1.99B | $488.9M | $39.1M | 2.72% | 3.63% | 0.38% |
| Q1 2026 | $2.87B | $1.98B | $2.00B | $476.3M | $17.4M | 2.43% | 3.58% | 0.42% |
| Q4 2025 | $2.87B | $1.98B | $1.96B | $469.4M | $76.7M | 2.83% | 3.54% | 0.37% |
| Q3 2025 | $2.77B | $1.89B | $1.87B | $453.4M | $51.0M | 2.55% | 3.51% | 0.35% |
| Q2 2025 | $2.67B | $1.88B | $1.83B | $454.5M | $29.0M | 2.20% | 3.49% | 0.36% |
| Q1 2025 | $2.62B | $1.88B | $1.77B | $438.7M | $13.6M | 2.08% | 3.46% | 0.40% |
| Q4 2024 | $2.61B | $1.88B | $1.74B | $423.9M | $72.1M | 2.80% | 3.37% | 0.50% |
| Q3 2024 | $2.62B | $1.77B | $1.72B | $407.5M | $51.7M | 2.69% | 3.33% | 0.43% |
Loan mix (Q2 2026): real estate $1.43B · commercial $478.4M · consumer $5.0M · securities $356.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.4% | 59.0% | 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% |
The full ratio pack is part of CharterBench Pro.