| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.5% | +2.3 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +1.0 pts |
| Loan growth (YoY) | +13.4% | +5.9% | +7.5 pts |
| ROA | 1.83% | 1.26% | +0.6 pts |
| ROE | 22.5% | 12.2% | +10.3 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.39B | $1.24B | $831.8M | $119.1M | $12.7M | 1.83% | 3.44% | 0.05% |
| Q1 2026 | $1.39B | $1.25B | $785.8M | $110.6M | $6.1M | 1.76% | 3.34% | 0.05% |
| Q4 2025 | $1.40B | $1.26B | $761.8M | $109.7M | $22.3M | 1.69% | 3.22% | 0.05% |
| Q3 2025 | $1.33B | $1.19B | $740.1M | $103.0M | $15.5M | 1.60% | 3.17% | 0.05% |
| Q2 2025 | $1.29B | $1.17B | $733.6M | $91.1M | $9.7M | 1.50% | 3.08% | 0.03% |
| Q1 2025 | $1.30B | $1.18B | $710.6M | $92.3M | $4.3M | 1.35% | 2.90% | 0.03% |
| Q4 2024 | $1.27B | $1.16B | $690.3M | $87.0M | $17.8M | 1.42% | 2.92% | 0.03% |
| Q3 2024 | $1.23B | $1.11B | $694.9M | $93.3M | $12.5M | 1.33% | 2.89% | 0.03% |
Loan mix (Q2 2026): real estate $530.8M · commercial $94.0M · consumer $17.3M · securities $433.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.26% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 22.5% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 59.0% | 28th |
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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