| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.9% | +0.4 pts |
| Deposit growth (YoY) | +2.1% | +5.7% | -3.6 pts |
| Loan growth (YoY) | +5.8% | +6.9% | -1.2 pts |
| ROA | 0.61% | 1.23% | -0.6 pts |
| ROE | 5.9% | 11.2% | -5.3 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.70B | $10.01B | $9.81B | $1.31B | $38.3M | 0.61% | 3.23% | 0.58% |
| Q1 2026 | $12.48B | $10.16B | $9.60B | $1.30B | $18.8M | 0.60% | 3.18% | 0.86% |
| Q4 2025 | $12.51B | $10.13B | $9.60B | $1.28B | $63.2M | 0.53% | 3.15% | 0.89% |
| Q3 2025 | $12.22B | $10.07B | $9.47B | $1.25B | $45.4M | 0.51% | 3.15% | 0.83% |
| Q2 2025 | $11.94B | $9.80B | $9.28B | $1.22B | $28.3M | 0.48% | 3.10% | 0.57% |
| Q1 2025 | $11.74B | $9.83B | $9.11B | $1.19B | $13.9M | 0.48% | 3.06% | 0.54% |
| Q4 2024 | $11.64B | $9.73B | $9.10B | $1.15B | $48.9M | 0.42% | 2.87% | 0.59% |
| Q3 2024 | $11.65B | $9.67B | $9.01B | $1.17B | $33.6M | 0.39% | 2.83% | 0.59% |
Loan mix (Q2 2026): real estate $8.34B · commercial $1.26B · consumer $290.7M · securities $2.04B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.23% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.3% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 54.9% | 94th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
91 branches in 14 counties across 4 states (-1 vs 2024) · $9.80B branch deposits. Biggest market: Allegheny, PA, ranked 6th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 36 | $5.96B | 3.27% | 6th |
| Cuyahoga, OH | 20 | $1.92B | 1.80% | 9th |
| Westmoreland, PA | 7 | $617.0M | 5.44% | 6th |
| 11 more counties with Pro → | ||||
Pennsylvania: 21st with 1.12% · Ohio: 22nd with 0.39% · Virginia: 83rd with 0.09% · Maryland: 99th with 0.03% · Pittsburgh metro: 6th, 3.19% · Cleveland metro: 9th, 1.80% ·
Branch count: 2022 81 · 2023 93 · 2024 92 · 2025 91