| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +5.5% | +5.5 pts |
| Deposit growth (YoY) | +9.9% | +5.1% | +4.8 pts |
| Loan growth (YoY) | +13.4% | +5.9% | +7.5 pts |
| ROA | 2.49% | 1.26% | +1.2 pts |
| ROE | 20.6% | 12.2% | +8.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.19B | $1.89B | $1.91B | $263.0M | $26.5M | 2.49% | 5.39% | 1.45% |
| Q1 2026 | $2.11B | $1.81B | $1.89B | $257.1M | $11.3M | 2.16% | 5.28% | 0.79% |
| Q4 2025 | $2.09B | $1.80B | $1.81B | $255.0M | $41.7M | 2.10% | 5.22% | 0.79% |
| Q3 2025 | $2.03B | $1.77B | $1.70B | $239.7M | $31.2M | 2.12% | 5.13% | 1.22% |
| Q2 2025 | $1.97B | $1.72B | $1.68B | $237.3M | $23.6M | 2.43% | 5.06% | 1.33% |
| Q1 2025 | $1.92B | $1.67B | $1.64B | $226.8M | $9.2M | 1.91% | 4.89% | 0.63% |
| Q4 2024 | $1.93B | $1.68B | $1.61B | $221.6M | $29.4M | 1.59% | 4.57% | 0.66% |
| Q3 2024 | $1.93B | $1.70B | $1.55B | $214.8M | $18.7M | 1.36% | 4.48% | 0.67% |
Loan mix (Q2 2026): real estate $1.69B · commercial $199.2M · consumer $7.1M · securities $23.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.49% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.9% | 59.0% | 14th |
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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