| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +6.4% | +5.9% | +0.5 pts |
| ROA | 1.53% | 1.26% | +0.3 pts |
| ROE | 12.7% | 12.2% | +0.6 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.25B | $1.96B | $1.45B | $275.3M | $17.1M | 1.53% | 3.96% | 0.00% |
| Q1 2026 | $2.28B | $2.00B | $1.44B | $267.7M | $8.1M | 1.45% | 3.89% | 0.00% |
| Q4 2025 | $2.18B | $1.91B | $1.40B | $262.8M | $33.1M | 1.56% | 3.93% | 0.02% |
| Q3 2025 | $2.15B | $1.88B | $1.38B | $254.4M | $24.7M | 1.57% | 3.93% | 0.17% |
| Q2 2025 | $2.12B | $1.86B | $1.36B | $244.5M | $16.3M | 1.56% | 3.92% | 0.18% |
| Q1 2025 | $2.12B | $1.87B | $1.32B | $237.3M | $7.7M | 1.49% | 3.85% | 0.18% |
| Q4 2024 | $2.01B | $1.77B | $1.28B | $228.5M | $32.4M | 1.63% | 3.87% | 0.20% |
| Q3 2024 | $1.97B | $1.72B | $1.22B | $230.9M | $24.0M | 1.62% | 3.83% | 0.21% |
Loan mix (Q2 2026): real estate $1.30B · commercial $122.4M · consumer $17.5M · securities $356.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.26% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 59.0% | 38th |
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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