| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.9% | -2.6 pts |
| Deposit growth (YoY) | +0.9% | +5.7% | -4.8 pts |
| Loan growth (YoY) | +3.0% | +6.9% | -4.0 pts |
| ROA | 0.97% | 1.23% | -0.3 pts |
| ROE | 7.1% | 11.2% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.77B | $8.76B | $6.55B | $1.64B | $57.4M | 0.97% | 2.76% | 0.01% |
| Q1 2026 | $11.86B | $8.94B | $6.24B | $1.61B | $21.9M | 0.74% | 2.71% | 0.07% |
| Q4 2025 | $11.80B | $8.95B | $5.98B | $1.61B | $68.3M | 0.59% | 2.45% | 0.07% |
| Q3 2025 | $11.62B | $8.87B | $6.14B | $1.40B | $48.8M | 0.56% | 2.39% | 0.53% |
| Q2 2025 | $11.40B | $8.69B | $6.36B | $1.39B | $30.7M | 0.53% | 2.35% | 0.41% |
| Q1 2025 | $11.49B | $8.70B | $6.32B | $1.38B | $16.8M | 0.58% | 2.29% | 0.45% |
| Q4 2024 | $11.69B | $8.77B | $6.36B | $1.37B | $44.9M | 0.37% | 2.04% | 0.19% |
| Q3 2024 | $12.02B | $8.77B | $6.36B | $1.37B | $40.9M | 0.45% | 1.99% | 0.39% |
Loan mix (Q2 2026): real estate $5.80B · commercial $144.5M · consumer $189.5M · securities $4.41B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.23% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 54.9% | 75th |
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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