| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +5.5% | +6.6 pts |
| Deposit growth (YoY) | +10.8% | +5.1% | +5.8 pts |
| Loan growth (YoY) | +11.1% | +5.9% | +5.1 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 13.4% | 12.2% | +1.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.53B | $2.21B | $1.68B | $224.9M | $14.6M | 1.17% | 4.13% | 0.57% |
| Q1 2026 | $2.51B | $2.19B | $1.65B | $216.1M | $6.4M | 1.04% | 4.01% | 0.60% |
| Q4 2025 | $2.46B | $2.15B | $1.63B | $213.7M | $22.3M | 0.96% | 3.86% | 0.52% |
| Q3 2025 | $2.39B | $2.08B | $1.58B | $207.4M | $15.3M | 0.89% | 3.77% | 0.59% |
| Q2 2025 | $2.26B | $1.99B | $1.51B | $178.2M | $8.1M | 0.72% | 3.66% | 0.64% |
| Q1 2025 | $2.28B | $1.97B | $1.49B | $179.0M | $2.6M | 0.47% | 3.50% | 0.60% |
| Q4 2024 | $2.23B | $1.93B | $1.48B | $174.4M | $15.2M | 0.69% | 3.29% | 0.61% |
| Q3 2024 | $2.24B | $1.92B | $1.44B | $179.3M | $10.5M | 0.64% | 3.22% | 0.45% |
Loan mix (Q2 2026): real estate $1.21B · commercial $233.7M · consumer $56.1M · securities $443.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 59.0% | 64th |
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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