| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +5.5% | -6.6 pts |
| Deposit growth (YoY) | -4.4% | +5.1% | -9.4 pts |
| Loan growth (YoY) | +11.0% | +5.9% | +5.1 pts |
| ROA | 1.40% | 1.26% | +0.1 pts |
| ROE | 13.0% | 12.2% | +0.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.82B | $2.37B | $2.34B | $304.5M | $19.3M | 1.40% | 3.84% | 0.39% |
| Q1 2026 | $2.75B | $2.32B | $2.29B | $296.4M | $9.8M | 1.44% | 3.80% | 0.34% |
| Q4 2025 | $2.71B | $2.28B | $2.25B | $287.6M | $16.7M | 0.60% | 3.42% | 0.29% |
| Q3 2025 | $2.70B | $2.37B | $2.18B | $277.3M | $8.3M | 0.40% | 3.28% | 0.29% |
| Q2 2025 | $2.85B | $2.48B | $2.11B | $266.5M | $-117K | -0.01% | 3.09% | 0.29% |
| Q1 2025 | $2.80B | $2.44B | $2.08B | $222.7M | $6.1M | 0.88% | 3.03% | 0.36% |
| Q4 2024 | $2.78B | $2.40B | $2.05B | $209.7M | $23.8M | 0.86% | 2.85% | 0.34% |
| Q3 2024 | $2.77B | $2.46B | $2.01B | $214.8M | $17.9M | 0.86% | 2.79% | 0.40% |
Loan mix (Q2 2026): real estate $1.92B · commercial $306.5M · consumer $115.3M · securities $274.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.26% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 59.0% | 46th |
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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