| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +6.2% | +5.1% | +1.1 pts |
| Loan growth (YoY) | +2.0% | +5.9% | -3.9 pts |
| ROA | 1.66% | 1.26% | +0.4 pts |
| ROE | 14.4% | 12.2% | +2.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.68B | $1.42B | $1.18B | $196.1M | $13.8M | 1.66% | 4.65% | 0.26% |
| Q1 2026 | $1.68B | $1.42B | $1.16B | $188.8M | $6.6M | 1.61% | 4.56% | 0.52% |
| Q4 2025 | $1.62B | $1.37B | $1.17B | $189.5M | $18.5M | 1.25% | 4.54% | 0.44% |
| Q3 2025 | $1.63B | $1.38B | $1.14B | $179.5M | $12.8M | 1.18% | 4.92% | 0.45% |
| Q2 2025 | $1.58B | $1.34B | $1.16B | $174.1M | $7.9M | 1.15% | 5.11% | 0.47% |
| Q1 2025 | $1.28B | $1.07B | $874.4M | $153.2M | $3.8M | 1.17% | 4.20% | 0.68% |
| Q4 2024 | $1.29B | $1.08B | $871.2M | $153.0M | $16.8M | 1.32% | 4.14% | 0.67% |
| Q3 2024 | $1.31B | $1.09B | $882.3M | $151.3M | $12.2M | 1.28% | 4.10% | 0.07% |
Loan mix (Q2 2026): real estate $1.01B · commercial $156.2M · consumer $11.0M · securities $145.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 59.0% | 41th |
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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