| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.9% | +0.5 pts |
| Deposit growth (YoY) | +7.0% | +5.7% | +1.3 pts |
| Loan growth (YoY) | +7.2% | +6.9% | +0.3 pts |
| ROA | 1.19% | 1.23% | -0.0 pts |
| ROE | 12.5% | 11.2% | +1.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.45B | $14.87B | $11.19B | $1.67B | $102.9M | 1.19% | 3.50% | 0.37% |
| Q1 2026 | $17.43B | $15.01B | $11.04B | $1.64B | $50.1M | 1.16% | 3.46% | 0.35% |
| Q4 2025 | $17.00B | $14.55B | $10.86B | $1.62B | $183.0M | 1.11% | 3.39% | 0.38% |
| Q3 2025 | $16.66B | $14.22B | $10.67B | $1.55B | $133.6M | 1.08% | 3.35% | 0.38% |
| Q2 2025 | $16.41B | $13.90B | $10.44B | $1.49B | $86.6M | 1.06% | 3.32% | 0.37% |
| Q1 2025 | $16.50B | $14.09B | $10.34B | $1.45B | $40.6M | 1.00% | 3.26% | 0.47% |
| Q4 2024 | $16.13B | $13.65B | $10.35B | $1.36B | $150.4M | 0.95% | 3.15% | 0.47% |
| Q3 2024 | $16.15B | $13.70B | $10.18B | $1.38B | $108.8M | 0.93% | 3.10% | 0.40% |
Loan mix (Q2 2026): real estate $7.99B · commercial $1.03B · consumer $2.12B · securities $4.43B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.23% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.3% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 54.9% | 62th |
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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