| Metric | Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +7.9% | +5.1% | +2.8 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 2.06% | 1.26% | +0.8 pts |
| ROE | 13.9% | 12.2% | +1.8 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.16B | $1.78B | $1.32B | $320.0M | $21.8M | 2.06% | 4.94% | 0.39% |
| Q1 2026 | $2.15B | $1.77B | $1.33B | $311.4M | $10.2M | 1.95% | 4.97% | 0.49% |
| Q4 2025 | $2.05B | $1.68B | $1.32B | $308.7M | $36.2M | 1.78% | 5.02% | 0.49% |
| Q3 2025 | $2.06B | $1.70B | $1.36B | $298.3M | $26.3M | 1.72% | 4.94% | 0.62% |
| Q2 2025 | $2.05B | $1.65B | $1.31B | $285.0M | $17.2M | 1.70% | 4.86% | 0.54% |
| Q1 2025 | $2.02B | $1.63B | $1.28B | $276.9M | $8.5M | 1.69% | 4.74% | 0.43% |
| Q4 2024 | $2.01B | $1.50B | $1.28B | $266.8M | $29.3M | 1.48% | 4.44% | 0.74% |
| Q3 2024 | $2.02B | $1.52B | $1.25B | $268.9M | $21.7M | 1.47% | 4.33% | 0.41% |
Loan mix (Q2 2026): real estate $1.25B · commercial $105.9M · consumer $13.0M · securities $555.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 59.0% | 19th |
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 | Central 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 | Central 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 | Central 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 | Central Bank | 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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