| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.5% | +0.3 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +11.7% | +5.9% | +5.8 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 16.3% | 12.2% | +4.1 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.69B | $1.50B | $1.16B | $171.6M | $13.6M | 1.62% | 4.35% | 0.17% |
| Q1 2026 | $1.71B | $1.53B | $1.13B | $166.4M | $6.8M | 1.64% | 4.29% | 0.12% |
| Q4 2025 | $1.63B | $1.46B | $1.09B | $162.1M | $23.3M | 1.48% | 4.05% | 0.11% |
| Q3 2025 | $1.64B | $1.47B | $1.05B | $155.4M | $17.1M | 1.46% | 3.95% | 0.12% |
| Q2 2025 | $1.59B | $1.44B | $1.03B | $143.3M | $10.9M | 1.41% | 3.90% | 0.09% |
| Q1 2025 | $1.54B | $1.39B | $1.02B | $136.5M | $5.0M | 1.31% | 3.80% | 0.15% |
| Q4 2024 | $1.49B | $1.35B | $983.3M | $128.7M | $18.7M | 1.30% | 3.68% | 0.10% |
| Q3 2024 | $1.48B | $1.34B | $957.5M | $132.3M | $13.7M | 1.28% | 3.60% | 0.09% |
Loan mix (Q2 2026): real estate $941.3M · commercial $171.1M · consumer $50.6M · securities $355.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th |
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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