| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +1.2% | +5.1% | -3.9 pts |
| Loan growth (YoY) | +6.0% | +5.9% | +0.1 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 15.4% | 12.2% | +3.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.34B | $1.93B | $1.59B | $192.9M | $14.5M | 1.27% | 3.64% | 0.76% |
| Q1 2026 | $2.30B | $1.89B | $1.55B | $188.2M | $7.3M | 1.28% | 3.59% | 0.37% |
| Q4 2025 | $2.24B | $1.84B | $1.56B | $184.5M | $24.0M | 1.06% | 3.44% | 0.38% |
| Q3 2025 | $2.30B | $1.90B | $1.54B | $176.1M | $17.3M | 1.02% | 3.36% | 0.47% |
| Q2 2025 | $2.29B | $1.90B | $1.50B | $167.0M | $11.1M | 0.99% | 3.25% | 0.47% |
| Q1 2025 | $2.26B | $1.88B | $1.44B | $160.8M | $4.5M | 0.81% | 3.11% | 0.01% |
| Q4 2024 | $2.20B | $1.83B | $1.38B | $153.3M | $13.3M | 0.65% | 3.16% | 0.01% |
| Q3 2024 | $2.15B | $1.73B | $1.35B | $158.3M | $12.2M | 0.81% | 3.18% | 0.02% |
Loan mix (Q2 2026): real estate $1.40B · commercial $102.7M · consumer $8.2M · securities $452.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 59.0% | 53th |
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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