| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.5% | +2.9 pts |
| Deposit growth (YoY) | +9.1% | +5.1% | +4.1 pts |
| Loan growth (YoY) | +4.2% | +5.9% | -1.8 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 8.0% | 12.2% | -4.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.97B | $1.66B | $1.51B | $275.5M | $10.9M | 1.09% | 3.14% | 1.52% |
| Q1 2026 | $1.99B | $1.69B | $1.45B | $272.8M | $5.8M | 1.16% | 3.08% | 1.52% |
| Q4 2025 | $2.01B | $1.71B | $1.45B | $268.4M | $18.5M | 0.98% | 3.38% | 1.39% |
| Q3 2025 | $1.96B | $1.67B | $1.43B | $265.0M | $13.9M | 1.00% | 3.41% | 1.31% |
| Q2 2025 | $1.81B | $1.53B | $1.45B | $261.3M | $9.2M | 1.01% | 3.42% | 1.56% |
| Q1 2025 | $1.81B | $1.48B | $1.44B | $257.7M | $4.6M | 1.02% | 3.39% | 1.28% |
| Q4 2024 | $1.82B | $1.48B | $1.42B | $254.1M | $23.1M | 1.33% | 3.72% | 1.32% |
| Q3 2024 | $1.77B | $1.45B | $1.40B | $249.6M | $17.2M | 1.34% | 3.76% | 0.85% |
Loan mix (Q2 2026): real estate $1.41B · commercial $106.4M · consumer $3.7M · securities $63.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 59.0% | 42th |
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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