| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.5% | -0.8 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.2 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.2 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 11.0% | 12.2% | -1.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.79B | $2.38B | $2.12B | $325.5M | $17.6M | 1.27% | 4.55% | 0.07% |
| Q1 2026 | $2.79B | $2.41B | $2.09B | $316.3M | $7.9M | 1.14% | 4.45% | 0.08% |
| Q4 2025 | $2.74B | $2.35B | $2.05B | $314.3M | $30.5M | 1.15% | 4.45% | 0.13% |
| Q3 2025 | $2.69B | $2.31B | $2.00B | $307.3M | $22.8M | 1.16% | 4.43% | 0.14% |
| Q2 2025 | $2.66B | $2.26B | $2.00B | $296.2M | $14.6M | 1.12% | 4.37% | 0.12% |
| Q1 2025 | $2.59B | $2.23B | $1.93B | $266.5M | $6.1M | 0.94% | 4.29% | 0.14% |
| Q4 2024 | $2.54B | $2.18B | $1.90B | $255.8M | $22.6M | 0.91% | 4.33% | 0.11% |
| Q3 2024 | $2.53B | $2.15B | $1.91B | $258.2M | $15.9M | 0.86% | 4.31% | 0.09% |
Loan mix (Q2 2026): real estate $1.59B · commercial $67.7M · consumer $471.4M · securities $459.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.2% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 59.0% | 67th |
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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