| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.5% | +0.9 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +5.4% | +5.9% | -0.5 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.01B | $3.12B | $2.98B | $502.8M | $25.2M | 1.27% | 4.05% | 0.16% |
| Q1 2026 | $3.99B | $3.11B | $2.91B | $490.4M | $12.2M | 1.23% | 3.95% | 0.15% |
| Q4 2025 | $3.94B | $3.07B | $2.89B | $482.3M | $44.1M | 1.16% | 3.98% | 0.14% |
| Q3 2025 | $3.93B | $3.06B | $2.84B | $470.6M | $34.3M | 1.21% | 3.97% | 0.13% |
| Q2 2025 | $3.77B | $2.94B | $2.83B | $457.2M | $22.0M | 1.18% | 3.95% | 0.13% |
| Q1 2025 | $3.75B | $2.93B | $2.84B | $445.4M | $10.4M | 1.13% | 3.91% | 0.15% |
| Q4 2024 | $3.64B | $2.86B | $2.83B | $433.5M | $36.7M | 1.04% | 3.92% | 0.17% |
| Q3 2024 | $3.58B | $2.79B | $2.81B | $425.0M | $26.6M | 1.01% | 3.90% | 0.19% |
Loan mix (Q2 2026): real estate $2.57B · commercial $336.8M · consumer $36.5M · securities $489.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Central Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 59.0% | 79th |
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 & Trust Co. | 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 & Trust Co. | 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 & Trust Co. | 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 & Trust Co. | 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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