| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.5% | +8.4 pts |
| Deposit growth (YoY) | +12.9% | +5.1% | +7.9 pts |
| Loan growth (YoY) | +12.0% | +5.9% | +6.1 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 11.5% | 12.2% | -0.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.35B | $1.22B | $976.7M | $122.3M | $6.8M | 1.05% | 3.60% | 0.00% |
| Q1 2026 | $1.28B | $1.15B | $958.1M | $118.8M | $3.6M | 1.12% | 3.60% | 0.02% |
| Q4 2025 | $1.28B | $1.16B | $935.0M | $115.4M | $12.1M | 1.03% | 3.55% | 0.00% |
| Q3 2025 | $1.21B | $1.10B | $902.4M | $103.3M | $8.7M | 1.01% | 3.54% | 0.00% |
| Q2 2025 | $1.19B | $1.08B | $872.0M | $98.5M | $5.4M | 0.96% | 3.51% | 0.00% |
| Q1 2025 | $1.11B | $1.00B | $855.4M | $96.2M | $2.6M | 0.95% | 3.51% | 0.00% |
| Q4 2024 | $1.09B | $990.9M | $829.1M | $92.7M | $9.4M | 0.91% | 3.27% | 0.00% |
| Q3 2024 | $1.10B | $1.00B | $809.3M | $91.3M | $6.5M | 0.85% | 3.21% | 0.00% |
Loan mix (Q2 2026): real estate $844.9M · commercial $96.5M · consumer $43.1M · securities $74.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 59.0% | 50th |
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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