| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +6.2% | +5.1% | +1.2 pts |
| Loan growth (YoY) | +8.8% | +5.9% | +2.8 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 13.3% | 12.2% | +1.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.09B | $4.62B | $3.46B | $430.2M | $28.1M | 1.11% | 4.05% | 0.27% |
| Q1 2026 | $5.12B | $4.66B | $3.36B | $421.0M | $12.9M | 1.02% | 3.91% | 0.26% |
| Q4 2025 | $5.02B | $4.57B | $3.31B | $414.0M | $43.2M | 0.89% | 3.73% | 0.26% |
| Q3 2025 | $4.95B | $4.51B | $3.25B | $401.5M | $30.3M | 0.84% | 3.66% | 0.31% |
| Q2 2025 | $4.78B | $4.35B | $3.19B | $389.2M | $18.6M | 0.78% | 3.57% | 0.36% |
| Q1 2025 | $4.80B | $4.38B | $3.09B | $378.1M | $8.3M | 0.70% | 3.41% | 0.36% |
| Q4 2024 | $4.67B | $4.27B | $3.02B | $365.1M | $26.3M | 0.55% | 2.85% | 0.33% |
| Q3 2024 | $4.88B | $4.27B | $2.99B | $364.5M | $18.1M | 0.50% | 2.74% | 0.35% |
Loan mix (Q2 2026): real estate $3.12B · commercial $299.8M · consumer $71.8M · securities $947.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 59.0% | 68th |
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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