| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.5% | +2.1 pts |
| Deposit growth (YoY) | +13.3% | +5.1% | +8.2 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 14.8% | 12.2% | +2.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.98B | $3.46B | $2.75B | $360.1M | $25.9M | 1.34% | 3.92% | 0.35% |
| Q1 2026 | $3.90B | $3.39B | $2.73B | $349.7M | $12.5M | 1.31% | 3.90% | 0.54% |
| Q4 2025 | $3.70B | $3.07B | $2.73B | $343.8M | $42.5M | 1.16% | 3.77% | 0.40% |
| Q3 2025 | $3.85B | $3.22B | $2.63B | $331.7M | $29.8M | 1.08% | 3.72% | 0.38% |
| Q2 2025 | $3.70B | $3.05B | $2.59B | $314.1M | $18.7M | 1.04% | 3.64% | 0.42% |
| Q1 2025 | $3.63B | $2.99B | $2.54B | $305.2M | $8.8M | 0.99% | 3.54% | 0.38% |
| Q4 2024 | $3.54B | $2.86B | $2.48B | $291.8M | $15.7M | 0.59% | 3.40% | 0.22% |
| Q3 2024 | $2.53B | $2.06B | $1.76B | $194.5M | $15.5M | 0.84% | 3.35% | 0.09% |
Loan mix (Q2 2026): real estate $2.48B · commercial $239.0M · consumer $50.7M · securities $841.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 59.0% | 34th |
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.