| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.0% | +5.5% | +10.5 pts |
| Deposit growth (YoY) | +15.4% | +5.1% | +10.4 pts |
| Loan growth (YoY) | +13.1% | +5.9% | +7.1 pts |
| ROA | 1.54% | 1.26% | +0.3 pts |
| ROE | 16.7% | 12.2% | +4.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.26B | $1.87B | $1.74B | $200.1M | $16.7M | 1.54% | 3.39% | 0.26% |
| Q1 2026 | $2.15B | $1.80B | $1.62B | $202.4M | $7.9M | 1.50% | 3.41% | 0.30% |
| Q4 2025 | $2.08B | $1.73B | $1.59B | $196.2M | $32.8M | 1.70% | 3.60% | 0.46% |
| Q3 2025 | $2.02B | $1.68B | $1.57B | $187.6M | $25.0M | 1.76% | 3.68% | 0.10% |
| Q2 2025 | $1.95B | $1.62B | $1.54B | $176.3M | $15.3M | 1.65% | 3.66% | 0.22% |
| Q1 2025 | $1.83B | $1.50B | $1.43B | $167.2M | $6.8M | 1.50% | 3.66% | 0.28% |
| Q4 2024 | $1.77B | $1.46B | $1.40B | $163.1M | $30.3M | 1.76% | 3.75% | 0.45% |
| Q3 2024 | $1.76B | $1.46B | $1.39B | $165.8M | $23.1M | 1.80% | 3.80% | 0.57% |
Loan mix (Q2 2026): real estate $661.3M · commercial $753.3M · consumer $225.0M · securities $409.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.26% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.0% | 59.0% | 4th |
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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