| Metric | Centier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.9% | -0.0 pts |
| Deposit growth (YoY) | +10.4% | +5.7% | +4.7 pts |
| Loan growth (YoY) | +4.3% | +6.9% | -2.6 pts |
| ROA | 1.57% | 1.23% | +0.3 pts |
| ROE | 15.7% | 11.2% | +4.5 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.41B | $8.79B | $8.01B | $1.03B | $78.7M | 1.57% | 3.57% | 0.64% |
| Q1 2026 | $10.08B | $8.32B | $7.91B | $996.4M | $37.0M | 1.50% | 3.60% | 0.55% |
| Q4 2025 | $9.66B | $7.84B | $7.64B | $982.2M | $161.8M | 1.67% | 3.60% | 0.30% |
| Q3 2025 | $9.92B | $8.07B | $7.80B | $944.2M | $122.2M | 1.67% | 3.57% | 0.12% |
| Q2 2025 | $9.83B | $7.96B | $7.68B | $902.3M | $80.6M | 1.67% | 3.54% | 0.14% |
| Q1 2025 | $9.47B | $7.53B | $7.39B | $867.3M | $37.7M | 1.57% | 3.49% | 0.14% |
| Q4 2024 | $9.69B | $7.58B | $7.67B | $826.6M | $150.9M | 1.67% | 3.64% | 0.12% |
| Q3 2024 | $9.27B | $7.64B | $7.28B | $830.5M | $113.5M | 1.70% | 3.70% | 0.10% |
Loan mix (Q2 2026): real estate $4.79B · commercial $733.3M · consumer $470.8M · securities $1.72B
| Ratio | Centier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.23% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.3% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 54.9% | 26th |
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 | Centier Bank | 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 | Centier Bank | 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 | Centier Bank | 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 | Centier Bank | 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.