| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +5.5% | +4.9 pts |
| Deposit growth (YoY) | +11.3% | +5.1% | +6.2 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 0.77% | 1.26% | -0.5 pts |
| ROE | 8.0% | 12.2% | -4.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.67B | $1.20B | $1.39B | $162.7M | $6.3M | 0.77% | 2.47% | 0.09% |
| Q1 2026 | $1.65B | $1.21B | $1.39B | $158.1M | $3.1M | 0.76% | 2.47% | 0.07% |
| Q4 2025 | $1.61B | $1.14B | $1.37B | $153.8M | $7.6M | 0.50% | 2.15% | 0.07% |
| Q3 2025 | $1.55B | $1.12B | $1.31B | $150.6M | $5.1M | 0.45% | 2.08% | 0.07% |
| Q2 2025 | $1.51B | $1.08B | $1.28B | $147.7M | $2.7M | 0.36% | 1.99% | 0.08% |
| Q1 2025 | $1.45B | $1.05B | $1.18B | $146.5M | $1.2M | 0.35% | 1.88% | 0.09% |
| Q4 2024 | $1.42B | $1.01B | $1.14B | $145.6M | $3.8M | 0.28% | 1.89% | 0.14% |
| Q3 2024 | $1.36B | $960.5M | $1.12B | $142.6M | $2.4M | 0.24% | 1.86% | 0.08% |
Loan mix (Q2 2026): real estate $1.40B · commercial $3.1M · consumer $170K · securities $90.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 59.0% | 41th |
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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