| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +15.1% | +5.3% | +9.8 pts |
| ROA | 1.07% | 1.28% | -0.2 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $963.7M | $850.4M | $653.9M | $94.8M | $5.0M | 1.07% | 4.86% | 1.51% |
| Q1 2026 | $943.8M | $834.7M | $633.0M | $92.6M | $2.6M | 1.12% | 4.94% | 0.84% |
| Q4 2025 | $917.9M | $801.4M | $607.3M | $92.3M | $11.8M | 1.44% | 4.81% | 1.01% |
| Q3 2025 | $891.9M | $798.4M | $571.6M | $90.0M | $10.4M | 1.74% | 4.80% | 1.52% |
| Q2 2025 | $921.0M | $830.9M | $568.0M | $84.8M | $6.0M | 1.57% | 4.41% | 1.50% |
| Q1 2025 | $686.4M | $614.8M | $519.7M | $66.4M | $2.5M | 1.43% | 4.91% | 0.43% |
| Q4 2024 | $689.7M | $622.0M | $534.8M | $63.4M | $8.3M | 1.27% | 4.64% | 0.57% |
| Q3 2024 | $659.4M | $591.4M | $508.3M | $63.6M | $6.0M | 1.25% | 4.58% | 0.61% |
Loan mix (Q2 2026): real estate $390.0M · commercial $155.1M · consumer $12.5M · securities $208.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.28% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 61.2% | 79th |
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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