| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +5.5% | +16.9 pts |
| Deposit growth (YoY) | +22.4% | +5.1% | +17.3 pts |
| Loan growth (YoY) | +27.6% | +5.9% | +21.7 pts |
| ROA | 2.34% | 1.26% | +1.1 pts |
| ROE | 21.1% | 12.2% | +8.9 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.49B | $2.20B | $1.88B | $278.5M | $28.2M | 2.34% | 6.06% | 0.21% |
| Q1 2026 | $2.41B | $2.12B | $1.79B | $267.5M | $13.8M | 2.33% | 6.00% | 0.03% |
| Q4 2025 | $2.35B | $2.08B | $1.73B | $257.6M | $55.2M | 2.66% | 6.19% | 0.37% |
| Q3 2025 | $2.17B | $1.90B | $1.52B | $244.4M | $40.5M | 2.69% | 6.21% | 0.40% |
| Q2 2025 | $2.04B | $1.80B | $1.47B | $230.1M | $25.1M | 2.58% | 6.17% | 0.43% |
| Q1 2025 | $1.93B | $1.70B | $1.39B | $219.2M | $12.4M | 2.62% | 6.10% | 0.41% |
| Q4 2024 | $1.87B | $1.65B | $1.37B | $204.1M | $47.2M | 2.75% | 6.10% | 0.58% |
| Q3 2024 | $1.77B | $1.55B | $1.28B | $205.3M | $34.3M | 2.74% | 6.08% | 0.62% |
Loan mix (Q2 2026): real estate $537.2M · commercial $1.34B · consumer $26.4M · securities $296.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 59.0% | 13th |
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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