| Metric | Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.5% | -0.2 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.1 pts |
| Loan growth (YoY) | +8.5% | +5.9% | +2.5 pts |
| ROA | 1.82% | 1.26% | +0.6 pts |
| ROE | 16.7% | 12.2% | +4.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.36B | $1.91B | $1.91B | $261.9M | $21.0M | 1.82% | 3.89% | 0.31% |
| Q1 2026 | $2.31B | $1.93B | $1.86B | $251.2M | $10.4M | 1.81% | 3.84% | 0.28% |
| Q4 2025 | $2.27B | $1.86B | $1.84B | $240.9M | $39.6M | 1.77% | 3.94% | 0.29% |
| Q3 2025 | $2.19B | $1.78B | $1.74B | $261.0M | $29.2M | 1.74% | 3.93% | 0.27% |
| Q2 2025 | $2.24B | $1.85B | $1.76B | $252.0M | $19.2M | 1.70% | 3.86% | 0.30% |
| Q1 2025 | $2.25B | $1.90B | $1.76B | $243.3M | $9.1M | 1.60% | 3.77% | 0.24% |
| Q4 2024 | $2.28B | $1.94B | $1.78B | $238.2M | $34.5M | 1.67% | 3.83% | 0.26% |
| Q3 2024 | $2.23B | $1.89B | $1.72B | $237.6M | $26.3M | 1.74% | 3.79% | 0.29% |
Loan mix (Q2 2026): real estate $1.74B · commercial $143.6M · consumer $12.5M · securities $132.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.26% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.8% | 59.0% | 9th |
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 | Commercial Bank | 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 | Commercial Bank | 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 | Commercial Bank | 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 | Commercial Bank | 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.