| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -5.0 pts |
| Loan growth (YoY) | +6.9% | +5.9% | +1.0 pts |
| ROA | 1.44% | 1.26% | +0.2 pts |
| ROE | 15.9% | 12.2% | +3.8 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.16B | $2.71B | $2.39B | $289.3M | $22.5M | 1.44% | 4.09% | 1.01% |
| Q1 2026 | $3.14B | $2.84B | $2.37B | $281.6M | $11.0M | 1.42% | 4.02% | 0.89% |
| Q4 2025 | $3.05B | $2.73B | $2.31B | $274.5M | $40.8M | 1.36% | 3.89% | 0.84% |
| Q3 2025 | $3.01B | $2.67B | $2.26B | $263.8M | $31.2M | 1.40% | 3.91% | 0.44% |
| Q2 2025 | $2.98B | $2.71B | $2.24B | $248.7M | $20.2M | 1.36% | 3.83% | 0.45% |
| Q1 2025 | $2.98B | $2.71B | $2.20B | $238.3M | $9.8M | 1.32% | 3.75% | 0.40% |
| Q4 2024 | $2.94B | $2.69B | $2.20B | $226.4M | $31.5M | 1.09% | 3.46% | 0.37% |
| Q3 2024 | $2.93B | $2.55B | $2.13B | $233.5M | $22.5M | 1.05% | 3.38% | 0.39% |
Loan mix (Q2 2026): real estate $1.98B · commercial $358.4M · consumer $44.6M · securities $486.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 59.0% | 45th |
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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