| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +5.9% | +2.8 pts |
| Deposit growth (YoY) | +9.3% | +5.7% | +3.6 pts |
| Loan growth (YoY) | — | +6.9% | — |
| ROA | 2.05% | 1.23% | +0.8 pts |
| ROE | 27.5% | 11.2% | +16.3 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.51B | $9.68B | $0 | $808.6M | $107.4M | 2.05% | 2.48% | 0.00% |
| Q1 2026 | $10.42B | $9.62B | $0 | $769.4M | $53.1M | 2.04% | 2.47% | 0.00% |
| Q4 2025 | $10.43B | $9.64B | $0 | $765.8M | $195.7M | 1.97% | 2.39% | 0.00% |
| Q3 2025 | $9.67B | $8.89B | $0 | $752.4M | $145.3M | 1.97% | 2.38% | 0.00% |
| Q2 2025 | $9.67B | $8.86B | $0 | $783.6M | $95.7M | 1.94% | 2.38% | 0.00% |
| Q1 2025 | $9.83B | $9.00B | $0 | $791.5M | $47.5M | 1.91% | 2.40% | 0.00% |
| Q4 2024 | $10.10B | $9.30B | $0 | $778.6M | $176.4M | 1.78% | 2.13% | 0.00% |
| Q3 2024 | $9.62B | $8.68B | $0 | $919.3M | $126.6M | 1.71% | 2.09% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $9.21B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.23% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 27.5% | 11.3% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 25.4% | 54.9% | 6th |
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% |
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