| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +5.5% | -2.8 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +3.9% | +5.9% | -2.1 pts |
| ROA | 1.96% | 1.26% | +0.7 pts |
| ROE | 19.2% | 12.2% | +7.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.76B | $5.43B | $4.49B | $718.5M | $65.8M | 1.96% | 3.97% | 0.16% |
| Q1 2026 | $6.74B | $5.45B | $4.48B | $685.0M | $32.3M | 1.92% | 3.94% | 0.18% |
| Q4 2025 | $6.70B | $5.45B | $4.49B | $656.5M | $132.4M | 2.01% | 3.98% | 0.21% |
| Q3 2025 | $6.65B | $5.31B | $4.39B | $739.8M | $100.2M | 2.03% | 3.97% | 0.21% |
| Q2 2025 | $6.58B | $5.31B | $4.32B | $692.3M | $64.9M | 1.98% | 3.90% | 0.22% |
| Q1 2025 | $6.60B | $5.35B | $4.26B | $652.7M | $30.7M | 1.88% | 3.81% | 0.25% |
| Q4 2024 | $6.44B | $5.26B | $4.25B | $605.5M | $117.8M | 1.86% | 3.89% | 0.23% |
| Q3 2024 | $6.41B | $5.12B | $4.14B | $713.6M | $88.7M | 1.88% | 3.90% | 0.25% |
Loan mix (Q2 2026): real estate $3.99B · commercial $446.6M · consumer $39.8M · securities $1.47B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.5% | 59.0% | 17th |
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% |
The full ratio pack is part of CharterBench Pro.